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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

  • Prepping for the Holidays on a Debt Management Plan

    Published Thursday, December 11, 2014 8:00:00 AM by tiquie

    We are about to enter THE HOLIDAY SEASON! 

    For some of us, just the thought of the upcoming holiday season can send us into a deep, dark funk. Money is already tight, the budget is stretched to the limit and we feel more like the Grinch who stole Christmas rather than Jolly Old St. Nicholas.

    This is not a time of enjoyment for us but we participate anyway. 

    I'm sure you have either seen or heard of the TV series, Doomsday Preppers. The series is devoted to showing us how to get ready for nearly any world shaking disaster by stashing away food, water, clothing, gasoline, guns and ammunition and how to ready our home or a "bug out" spot so that we can make it through the disaster. It's an interesting perspective and one that got me thinking about how to survive the holiday season.

    I became a holiday prepper sometime during mid-February of this year. 

    I did not want to end up the week before Thanksgiving trying to figure out where the money was going to come from for holiday food, gifts and decorations. I made my plan based upon the Doomsday Preppers series. 

    This is what I did and I feel confident my "preps" will help me sail through the holidays with little or no stress and my bank account will not sink to zero.

    Thanksgiving is usually food and lots of it.

    This year, we are having fresh turkey - very fresh turkey. Living in Central Illinois means there is an abundance of wildlife so my husband has decided to go turkey hunting. I'm absolutely certain he will come home with one; but, just to keep my bases covered like a good prepper should, I have a frozen store bought turkey in the freezer that I picked up for a nice price at a store sale. I think they were getting rid of the turkeys left over from last year to make room for new incoming stock. 

    If you read my blogs, you know that we grow our own vegetables or forage for certain things and I can and freeze the food. I will not have to buy anything in the way of food at the grocery store. We even have canned pumpkin left from last year so the pumpkin pie is taken care of. 

    Christmas means lots of food, gifts, gift wrap and on and on. 

    Christmas isn't just one day either. There are pre-Christmas parties, presents for special people like the Pastor, the mailman, teachers, etc. Then, it is finally Christmas Eve and that's more food and maybe some small gifts. After that, Christmas Day! 

    Once again, my prepper skills will take me through without so much as a "bah humbug"! 

    I started buying gifts throughout the year at sales and even garage sales. I've already got the majority of my Christmas shopping for 2013 finished. The items are hid away in the closet, picked up at sales as I see them throughout the year. So, I just need to wrap them. 

    Since I have become an expert holiday prepper, next year I plan to purchase wrapping paper and trimmings along with Christmas cards when they go on sale the day after Christmas for as much as 75 percent off. 

    Food is covered just as it was at Thanksgiving. 

    Almost everything will be coming from our garden or our foraging trips. I will probably buy a ham and I will make homemade chicken and dumplings for our Christmas Day meal. 

    I really like how I'm feeling. 

    It's not even Thanksgiving and I'm not making lists, cutting coupons, watching sales or planning menus. 

    Best of all, I'm not frantically trying to figure out where I can come up with the money to pay for everything. I'm a holiday prepper and I'm ready for anything!

    Kimberly Johns, Debt Management Plan Customer with Leading Provider of Debt Relief, CareOne Services, Inc. Kimberly Johns

    Kimberly is enrolled on the CareOne Debt Management Plan (DMP). Kimberly is very active in the Community Forums, some of you may recognize her Community user name; Tiquie. Recently retired, Kim shares how she and her husband manage the financial challenges of living on a fixed income in their home state of Illinois. The John's have found some really creative and fun ways to offset the limitations of a retirement income. Kimberly generously shares smart and tested tips in her A Straight Talk on Debt blog! Compensated Blogger for CareOne Debt Relief Services.

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Travis, a CareOne Debt Management Plan customer and active community blogger talks about what CareOne has meant to him.
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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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You can save money and get out of debt with debt consolidation.

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  • $2,500 or more in unsecured debt
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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.

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