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Our founder, Bernie Dancel, has been where you are. He was in debt and got a lot of bad advice which motivated him to create CareOne Services, Inc. Watch his short story here.

Today's Featured Blog

  • Counting the Months to DMP Graduation!

    Published Tuesday, May 21, 2013 8:00:00 AM by t_pizel

    I've celebrated many milestones of my debt management plan, including each anniversary year, and being halfway done

    Recognizing those accomplishments is one source of motivation that helps keep me and my wife moving forward. 

    In March, we reached the point of having one year left of our plan.  Reaching that mark put a smile on my face, but I really had my eyes set on this month, because after this month we will only have ten payments left.  What's special about ten?

    Having ten payments left is significant, because I can count them with my fingers. 

    I'm a visual person, and being able to hold up my hands and physically display how many payments remain until our mountain of $109,000 of credit is gone is an indescribable feeling. 

    Getting out from under the weight of credit card debt has been the hardest thing I have ever done.  Having only ten months left, the countdown is officially on.  With each passing month I can think about the life events that happen and know that next year, it will be just a little bit easier to plan and pay for them.

    We've been doing things on the small scale for almost four years now, and while I'm never going back to my old out of control spending ways, it will be nice to be able to splurge just a little bit on those special events and know that we're still living within our means.

    June:   I can't wait to be able to spoil and pamper the most important woman in my life for our anniversary.

    July:  More of making Vonnie feel like the appreciated wife, mother, and friend that she is for her birthday.

    August:  Dare I hope that in 2014 we may be able to take a family summer vacation?

    September:  How awesome will it be to get the kids ready for school, without having to worry about whether we'll be able to afford everything they need? 

    October:  A month without any event is rare and is to be enjoyed!

    November:  I would love to be able to host Thanksgiving dinner without having to plan for and save for weeks or months ahead of time.

    December:  Christmas is hands down the most stressful time of year for a family on a tight budget.  We will NOT go overboard on gifts, but without the financial stress that comes with being in debt, I have a feeling that Christmas 2014 will be much more enjoyable.

    January:  Just once I'd like to not use the excuse that it was just Christmas for skimping on my son's birthday celebration.

    February:  I love being creative for Valentine's Day, but I look forward to being able to give my wife an actual gift.

    March:  I'll need some extra money to stockpile the tissues needed for the waterworks that will accompany making our last payment.  I'm going to bawl like a newborn, guaranteed.

    All that's left is eight fingers and two thumbs.  How much longer do you have left?

    Related Links:

    And In 3...2...1

    Halfway Home!

    Reflection on a year in the Debt Management Plan

     

    Travis Pizel, debt management plan customer with leading provider of debt relief, CareOne Services, Inc. Travis Pizel

    Travis is a contributing writer for the My Journey out of Debt and A Straight Talk on Debt blogs. He is also a very active member of the CareOne community forums. Travis is currently enrolled in a CareOne Debt Management Plan (DMP). Travis candidly shares his personal journey to pay off his debt and the tips he's learned along the way. As a father and husband he provides a unique perspective on balancing debt, finances, and family in Minnesota. You can also read more from Travis on the Enemy of Debt blog, where he is a featured blogger. Compensated Blogger for CareOne Debt Relief Services.

    To connect with Travis on Google+ click

    You can follow Travis on Twitter @DebtChronicles

     

    Read Full Post

Customer Video Testimonial

Travis, a CareOne Debt Management Plan customer and active community blogger talks about what CareOne has meant to him.
- Compensated CareOne Blogger

All About Your Debt Consolidation Options

  • What are my choices?

    The providers of CareOne Debt Relief Services know what you're going through and understand how important it is to be able to select a debt relief solution that is right for you. Because of that, our mission is to help you get back on track by offering multiple debt consolidation and debt reduction options. Our Certified Credit Counselors will work with you to create a personalized solution based on your situation, and will carefully explain your options, including a Debt Management Plan and settlement. Because many of us have battled debt ourselves, and some have even completed a CareOne debt relief plan, you never have to worry about being forced into a solution that doesn't work for you. Please check out our Guide to Choosing a Debt Relief Plan to learn even more about your options.

  • What is a Debt Management Plan (DMP)?

    A DMP can offer significant interest and time savings, and can provide you with a plan to repay your debts in five years or less. With a DMP, we'll help you consolidate your unsecured debt into one monthly payment that you can afford. A CareOne DMP is not a debt consolidation loan, where the equity in your home is used to pay down your debt, nor is it bankruptcy.

  • What is Debt Settlement?

    Debt Settlement is a negotiation, by a settlement service provider or lawyer, with your creditors to pay back a portion of your unsecured debt. With settlement, you do not make monthly payments to your creditors. Instead, you make monthly deposits into a debt settlement account in an amount that you can afford. When settlements are reached with your creditors, settlement payments are paid from the debt settlement account. While settlement can be a better alternative than bankruptcy, it can have a negative impact on your credit.

  • Why should I choose a CareOne provider to answer my questions about debt consolidation?

    CareOne Debt Relief Services is the nation's largest brand of debt relief solutions, and all of our providers are Better Business Bureau (BBB) accredited organizations. We are proud to have helped over 5 million people, just like you, find a better way out of debt. We know what it's like to be in your shoes, and will work with you to find a solution that's right for you.

  • Who makes up the 5 million-plus people that CareOne providers have helped?

    CareOne providers have helped over 5 million people all over the country. Assisting this many people has provided us with insight into the unique economic factors facing residents living in different states. For instance, many residents are looking for debt consolidation in Pennsylvania and in Texas because they are carrying significant amounts of student loan debt. And, the majority of residents inquiring about debt consolidation in Tennessee are women. Many people may be contacting CareOne in North Carolina because, since 2011, the unemployment rate has been well above the national average. While in California, debt consolidation help may be needed because of the high foreclosure rate. People may be contacting the providers of CareOne Debt Relief Services in Arizona for debt relief, since the amount of debt owed in Arizona was higher than the national average. We've compiled meaningful statistics like these for all 50 states, as well as the most populous US cities.

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  • Consumer Protection Laws

    Familiar with your rights? You are entitled to fair debt collection practices even if you have fallen behind on payments.

The CareOne Difference

CareOne providers offer clear benefits and honest advice, so you can:

  • Pay significantly less
  • Pay off your debt faster
  • Make one affordable monthly payment
  • Build strong money management skills

You can save money and get out of debt with debt consolidation.

It's not a loan. In order to qualify, you must meet these simple requirements:

  • $2,500 or more in unsecured debt
  • Two or more accounts
  • A source of income

The CareOne Service

Providers of CareOne Debt Relief Services are industry leaders committed to offering the best debt management programs available. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. Many of us have been where you are today, and understand the emotional burden that debt can place on a person. Please contact us so that together, we can find a better way out of debt.

We offer a simple 100% Satisfaction Guarantee.

We're so confident that we can help you achieve your goal of becoming debt-free in a reasonable time, that we back it up with a 6-month 100% money back guarantee on the services, support, and benefits you receive.

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  • Reduce your debts, payments and interest rates
  • Money back guarantee
  • One low monthly payment
  • Access to Certified Credit Counselors
  • Resources, education, tips & tools
  • A personalized solution

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    Check out the latest reviews on CareOne.

    These 2 customers gave us a 5 out of 5 rating!

    • "I just want to thank CAREONE for saving my life. At the age of 25, I was in 25,000 dollars of credit card debt now after three years of hard work determination and CareOne staying true to their word...I am now debt FREE!!!!! Thank you from the bottom of my heart. Satisfied Customer!" Shea H. - Macon, GA
    • 5
      "I am so happy that I found CareOne. They have been so good to me. They helped me cut down my payments. They have been so nice and caring. Thank you so much CareOne." Tracy Q. - Lizella, GA
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