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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

  • Teaching Kids the Meaning of Value

    Published Tuesday, September 23, 2014 8:00:00 AM by t_pizel

    All I could think was, "Here we go again." 

    We were shopping for school supplies and were looking for a new three ringed binder for my daughter to use for 7th grade. I remembered a similar experience from last year; not big enough, not pink enough, not enough pockets, or just didn't like it for any apparent reason.

    The battle raged across three stores, until we eventually found one that we all agreed upon.

    By that time I was so worn down I didn't even care we were spending close to $20 on a binder.

    We seemed to be heading down a similar road this year as she rejected binder after binder. She tried to describe what she was looking for, but we seemingly just kept missing the point. We looked at dozens of binders, but the frillier and more girly my selection got, the more frustrated she became. 

    Finally, with great exasperation, she pulled one off a shelf and exclaimed, "Like this!  This is perfect!"

    I looked at it, completely puzzled. There were no bright pink colors, no characters painted on the outside, no frills at all. She opened it up, telling us that one of her friends had one almost identical the year before, and explained why she wanted that one. 

    "It's pretty heavy duty, so it will probably last the whole year," I said.

    "That's the point," she replied, "my binder last year started to fall apart."

    I was honestly surprised at what I was hearing. My memory of 7th grade was a time when who you hung out with and what you wore became extremely important to your social status. Having a plain organizer is the sort of thing that a bully could easily latch on to. But here was my daughter more concerned with being able to properly organize her school work than impressing her class mates.

    Her binder was functional not flashy. It had substance not style. 

    Oh, and it cost all of $7.93, which she was very proud to point out to me.

    A point of emphasis in our home is to buy products that give us the most value for our money. That's not something you would expect a middle school student to have on the top of her priority list. But it seems like our daughter has been paying attention.

    Maybe she can teach her classmates a thing or two this year.

    Related Links:

    Do Kids Worry About Price?

    When Kids Hear an Argument About Money

    Who Knew Dance Recitals Were so Expensive

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

    Travis is a contributing writer for the A Straight Talk on Debt blog. 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 the

    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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The CareOne Difference

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

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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
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  • 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.

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