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

5-star
4-star
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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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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

TCA is a Wonderful Company

TCA is a wonderful company. I advised all my advocates to never go through a divorce because it can be financially devastating. They saved me. It was hard work but worth every bit of sweat and tears.

9 March 2026
Rated 5 out of 5 stars

I was so stressed and I have no trust…

I was so stressed and I have no trust most of the ads doing debt relief program but TCA is real and non profit company which is helped me a lot saved me over $68000 interests . Highly recommended. Because to paid off my credit take me 550 months but with TCA only taking me 55 months to paid off my debt

10 March 2026
Rated 5 out of 5 stars

Working with TCA has been GREAT…

Working with TCA has been a great decision for me, they made it incredibly easy, and what I appreciate the most is that I could turn over the charge cards that were out of control, but I was allowed to keep using a couple that I needed in order to get by. I was not in a position to be able at the time to go completely without credit, so this has been an awesome experience to be able to ease myself out of debt. Thank you so much TCA!

9 March 2026
Rated 1 out of 5 stars

Manuel

Manuel, you told me that you highly believe in communication and you have yet to answer my question of several months ago!!! CAN I ADD A COUPLE MONTH AGO!!!
1. VERIZON
2. ENRIDGE (WATER/GAS BILL)
PLEASE TELL ME ASAP! .MY PHONE NUMBER HAS BEEN ASSIGNED TO SO.EONE ELSE! WATER BILLIS NOW CLOSE TO $700! AND SOON TO BE TURNED OFF!
ANSWER MY QUESTIONS!!!!!

COM.UNICATION !!! YOU ARE SERIOUSLY LACKING!!!!!

9 March 2026
Take Charge America logo

Reply from Take Charge America

We apologize for your poor experience. We strive to contact every client quickly. It looks like we do not have a correct phone number on file for you because it seems to go to a third party. A manager has been assigned to review your complaint. In case we are unable to reach you via email or phone, please call us at 866-528-0588 or send an email to info@takechargeamerica.org. We will assist you right away.

Rated 5 out of 5 stars

Hard Times

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 used them we had tried someone else and they made us pay all this money upfront and the money we was sending was not getting applied to our credit cards. I saved the information from last time and have fell back on hard times and gave them a call again. I will say I was hesitant at first because I thought the person that answer the phone was a little rude but in the end went with them anyway. I feel like I did so many years ago, they are a responsible, reliable company.

1 November 2025
Rated 4 out of 5 stars

Access outside of the US

The only downside to my experience is that it is very difficult, if not near impossible, to access the site from outside the US. I travel a lot for work and I can’t access messages on the site when I’m traveling.

1 February 2026
Rated 5 out of 5 stars

Best way to attack debt

They negotiated with the creditors on my behalf and got a significantly lower interest rate. They also do check-ins to make sure everything is running smoothly. The maintenance fee is a small price to pay for their service and pales in comparison to the money and time they saved me.

1 February 2026

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