Incharge Financial Solutions

Filing Period

Jan 1, 2010 to Dec 31, 2010

Signed

Oct 17, 2011

Return Version

2010v3.4

Gross Receipts

$20,787,591

Mission

Major Activities

Activity 2

Debt management - ids offers debt management programs to assist consumers in paying off their unsecured debts and better managing their financial obligations in the future. Ids processes debt payments, attempts to secure a reduction in interest rates, and attempts to establish affordable monthly payments on the clients' behalf. Clients are provided continuing educational assistance through financial educational materials and guidance in financial matters as determined by the client's needs.

Activity 3

Housing counseling and education - incharge debt solutions became a local u.s. Department of housing and urban development ("hud") approved agency in april 2010. Ids has also adopted the national industry standards for homeownership counseling evidencing its commitment to provide consistent, high quality education and counseling to existing and potential homeowners throughout the state of florida. Ids' services include the following:1) foreclosure prevention/mortgage delinquency counseling - this program is designed to provide existing borrowers with information and assistance needed to avoid foreclosure. Program highlights include budget planning, evaluation of eligibility for loan modification, assessment of ability to sustain the home and alternative housing options. 2) homebuyer education workshops - potential homeowners are encouraged to attend an eight-hour homebuyer education course prior to purchasing a home. In a step-by-step process, classroom participants are asked to examine their housing needs, analyze their financial situation, and learn strategies to improve financial management in an effort to better prepare for homeownership. In addition, participants learn how to shop for a home, obtain a mortgage, and prepare for life as a homeowner.3) pre-purchase counseling - this program is designed to assist potential borrowers that would like personal one-on-one counseling during the home buying process. Education and tips are provided to assist the homebuyer to better understand alternative sources of funding and mortgage options. Through budget planning, potential homeowners can improve their financial management skills with a goal of obtaining homeownership.

Filer

EIN

33-0770440