Take Charge America Reviews 

1,813
TrustScore 4.5 out of 5

4.7

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Review summary

Created with AI, based on recent reviews

Considering 331 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the incredibly helpful and knowledgeable staff who actively assist clients in negotiating lower interest rates and establishing highly manageable monthly payment plans. Many people deeply appreciate the clear guidance and consistently supportive customer service that make navigating financial difficulties and getting out of debt much less stressful. Some reviewers were not happy with administrative communication issues and perceived delays in having creditors paid on time. A few consumers also noted occasional billing confusion, anxiety over late notifications, or unexpected difficulties regarding automatic payment withdrawals from their accounts.

What people talk about most

Customer service

People report positive experiences with customer service, noting that representatives are consistently... See more

Staff

Users describe positive interactions with staff, highlighting that representatives are consistently friendly,... See more

Service

Reviewers mention positive feedback about service, expressing deep appreciation and gratitude for the help... See more

Payment

Consumers find payment to be positive, highlighting how manageable monthly plans and significantly lower... See more

User experience

Customers had positive experiences with user_experience, describing the program as accurate, trustworthy, and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

One thing that is important to me is communication and transparency. Take Charge America does a great job at that. I started with them 5 years ago, and they helped me reach my goals, become debt free,... See more

Rated 5 out of 5 stars

Take Charge America helped get our debtors low to no interest rates and a reasonable payment plan, and almost 4 years later our debts are paid off.

Company replied

Rated 5 out of 5 stars

We used this company over approximately 20years ago they were helping, professional and we never had any issues. They took care of everything from talking to creditors to sending the money. Before we... See more

Rated 5 out of 5 stars

This is my 2nd time paying off a debt and both times have been successful and wonderful experiences. Life happens, we make bad decisions, but it’s assuring to know your experience helps us available... See more

Company replied


Company details

  1. Debt relief service
  2. Credit Counselling Service
  3. Financial advisor

Written by the company

Since 1987, Take Charge America has been committed to helping people around the country improve their financial futures. We work with individuals and families facing a variety of financial challenges to help them achieve self-reliance, financial stability and independence. Our commitment to financial education has helped us become one of the largest nonprofit credit counseling and debt management agencies in the nation. We have helped more than 1.6 million people manage their finances and repay more than $5 billion in personal debts.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

2k reviews

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1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 73% of negative reviews

Typically replies within 24 hours

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.7

All reviews

(1,813)

342 reviews in the last 12 months

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Rated 5 out of 5 stars

Amazing experience with TCA

Amazing experience with TCA. In the time with them everything was taken care. Rate never increased. Was never bothered or had issues with the rate they quoted me. Very professional took care of me extremely well

16 March 2026
Rated 5 out of 5 stars

TCA: The Best Debt Management Company

My experience with TCA was blessed. I had a financial crisis and I needed help through it. I learned that I needed a debt management company, not a debt settlement company, and they delivered the best services I could have hoped for. I hope that if one finds oneself in a financial crisis, as I did, TCA is top of mind because they will advise you on best steps through and will negotiate with creditors in order to pay at an interest rate that is as fair as they can get for you. And I know things are really hard if you ever reach this point, but keep the faith. Choosing TCA is a step in the right direction.

18 March 2026
Unprompted review
Rated 5 out of 5 stars

I was in a financial bind and reached…

I was in a financial bind and reached out to Take Charge America. They didn't judge me or try to get rich from me. They negotiated for me and got manageable monthly payments setup between me and the company. I tried to negotiate with the company myself and was not successful.
In less than a year with auto-draft payments my credit card debt of thousands of dollars was taken care of and paid off. The staff was always there to answer questions or let me know the status of my debt payment. I would highly recommend Take Charge America if you or someone you know are in a financial bind with high interest debt and don't know where to turn. They gave me one less thing to worry about.

13 March 2026
Rated 5 out of 5 stars

I could not have been happier with Take…

I could not have been happier with Take Charge America, the service personnel go above and beyond, they keep you well inform on the progress you are making paying off your debt. Should you run into a problem making the monthly payment due to unexpected expenses they work with you. Take Charge I thank you

9 March 2026
Rated 5 out of 5 stars

helpful

they have help ease my mine, they help you understand the program and what is expected from you. you can call in with questions even when you are in the program and they are very friendly. plus they have other programs to help you manage your financial in the future .

1 May 2025
Rated 5 out of 5 stars

I've been with Take Charge American for…Four years

I've been with Take Charge American for 4 years .... I'm very pleased with the way they worked with me... Anytime I had a question or a problem they helped me work it out.... To say the least I'm very excited that they told me I'm debt free.... It makes a world of difference to know I can now breathe.... Would I tell my friends and family about TCA I definitely would.. Thank you Take Charge America for everything...

9 March 2026

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