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I’m in the Incharge debt payment consolidation program but my balances seem not to be going down?

Have you discussed this with InCharge? I am sure they will be able to give you a detailed report on where your money is going for each payment you make through their debt payment consolidation program.

How they apply your payments to your balances may differ based on how they collect their fees, how long you have been in the program, who your creditors are, and others issues. You need to discuss these questions with them.

From my knowledge, InCharge is a good company and is one of the larger credit counseling agencies out there. I am sure they can provide you with the answers that you need about your payment plan and your creditor balances.