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CareOne Services, Inc.

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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

  • When Saving Seems Impossible While Paying off Debt

    Published Friday, May 24, 2013 8:00:00 AM by mdavis1964

    Saving for emergencies was so hard to do when I was trying to pay off my debt

    It seemed like every time I had money saved up just in case an emergency would arise, it did.  However, if I hadn't saved for that possible emergency I wouldn't have had the funds to handle it.  That would have added to my stress of trying to get out of debt.

    Having money set aside for an emergency was one of the best skills I learned on my plan with CareOne! 

    When I was in debt, I could only save a small amount each month.  I am thankful that no big emergencies came up.  Now that I am out of credit card debt, I am looking at the bigger picture. 

    What if I get laid off? 

    What if there is a medical emergency? 

    I had to have neck surgery while I was on the plan, which was not a pretty picture once the bills started coming in. 

    They charged me over $300 just for someone to come in for ten minutes to teach me how to put on my shoes.  The charges are all done separately so all of a sudden you have over 10 different bills for one procedure.  It can be very overwhelming.  

    Not to mention all of the follow-up visits!  Two years of follow-up and physical therapy, too!  YIKES!

    Now my emergency fund is building so that if something like this should arise again, I am more prepared.  Probably not completely prepared, but I am in a better position now than I have ever been.  I am also lucky enough to not get sick very often, so my sick leave balances through my employer are such that I could take over six weeks off and still have a full paycheck.  Just another way to be prepared in case there is a medical emergency. 

    In my experience, if you can save up even $20 a month towards an emergency, you will be more prepared than someone who doesn't have anything. 

    It may not be enough if an emergency does arise, but at least you have something to help you out. 

    Do you have money set aside for that rainy day?  If not, start small and build from there. 

    Getting out of debt is stressful enough, there's no reason to add to that stress.  Good luck!

     

    Monica Davis, Debt management plan graduate, with leading provider of debt relief, CareOne Services, Inc.Monica Davis

    Monica is no stranger to the CareOne Community. As a debt management plan customer (DMP), Monica engaged in our community forums regularly, helping others with questions about the plans. Now that Monica has completed her DMP in just three years, Monica continues to share what made her successful in the forums and now through our blogs. Monica is accustomed to providing support and works as a Communications Officer for an emergency dispatch center in Washington State.  Follow Monica as she shares her tips and insight in the My Journey out of Debt and A Straight Talk on Debt blogs. Compensated CareOne Debt Relief Services Blogger.

    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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  • CareOne
    Reviews

    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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