5 million people helped and counting  >  Call 1-888-888-CARE or Get Started Now

If you're in debt, we understand. Because many of us were there ourselves—including our founder.
We got out, and so can you.

CareOne Services, Inc.

Start your debt consolidation process.

Find out how much you can save in minutes. Get a free savings
estimate right now. No commitment. Fill out the form to find out more.

- -

Yes, please send me the free CareOne newsletter, Debt Guide and special offers from CareOne. Privacy Policy.

Already Started?
Continue Saved Enrollment

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

  • Frugal but Healthy Home Remedies from Grandma‚Äôs Time

    Published Thursday, October 23, 2014 8:00:00 AM by tiquie

    As we move into October, I started thinking about winter and some of the unpleasant things it brings our way. 

    Things that we don't seem to have much control over; such as catching a cold or, even worse, the flu. I usually spend at least half the winter coughing and no known over-the-counter prescription seems to bring about a cure. Then, there's the dreaded "congestion"; when you actually pray for just one good breath.

    In a time of soaring health care costs - when a single trip to the doctor's office can cost hundreds of dollars and a visit to the hospital emergency room can balloon into thousands - it is comforting to know that there are many everyday health problems that you can safely and successfully treat with homemade remedies. 

    You will be happy to discover that they can make a real difference in how you or a family member feels and when you start to mend without a budget-busting consultation at a medical facility or spending a small fortune at the drugstore.

    Which brings me to my Grandma and her homemade remedies; guaranteed to bring about a cure for what ails you.

    I can say this because many of her remedies were used on me as a child. 

    Some of her homemade remedies used herbs and other natural ingredients that were known to our ancestors and have an honorable place in the history of healing. Keep in mind, in Grandma's time doctors and hospitals were not readily available, and the woman of the house was most often called upon to help a family member with a health issue.

    Luckily, my Grandma kept a notebook with her healing recipes and that has been passed down through the family until it is now my time to be the "Keeper of the Notebook". 

    I would like to share a few of her homemade remedies with you and, if you try them, you will probably save some of your hard earned dollars and feel much better in the process.

    Steam Treatment for Congestion: You will need about 3 tablespoons of finely chopped fresh thyme, sage, peppermint, eucalyptus or pine needles and boiling water. 

    1.  Put the herbs in a medium bowl and add the boiling water

    2.  Lean over the bowl with a towel draped over your head and the bowl and inhale for 10 minutes. Repeat 2 or 3 times a day as needed.

    Gargle Solution for a Sore Throat: In a jar with a tight-fitting lid, combine 2 heaping tablespoons brown sugar, ½ teaspoon salt and ¼ teaspoon baking soda and 1 quart warm water. Shake the mixture well before each use. Gargle with up to ½ cup of this mixture as often as needed.

    Cough Suppressant Medicine: In a small saucepan, combine 1 large onion finely diced, 2 cloves garlic, finely diced, 2 tablespoons finely diced fresh ginger. Add honey to cover and cook over very low heat for 30 minutes. Then, mash together and let cool. Strain and store in a clean jar with a tight-fitting lid in the refrigerator. Take one teaspoon every 15 to 30 minutes.

    Cough Suppressant Tea: In a standard teacup, steep 4 fresh sage leaves or 1 teaspoon dried sage in freshly boiled water for at least 20 minutes. Strain and drink hot or cold.

    As with any medicine, these homemade remedies may not taste good but they will give excellent relief for colds, coughs, sore throat and congestion. 

    I really feel that time is the real healer of these ailments rather than any medicine. However, if you can find a way to make yourself feel more comfortable and able to tolerate the "bug" that got you, why not give one of my Grandma's remedies a try. 

    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.

    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.

Top Rated Debt Management Articles

  • Budget Planning

    Learn essential financial planning skills to take control of your debt and solidify your future.

  • Manage Your Debt

    Already in debt? Learn more about effective debt help strategies. You have options when it comes to credit counseling, learn which one is right for you.

  • 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.

Learn More
  • 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

As Featured In

Visit My CareOne to personalize your home page with gadgets that let you connect with others, set goals, get expert advice, and more!

Enrolled in a plan?
Track your progress

Follow Us

More Inside

  • CareOne

    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
    Read More Reviews
  • Latest Debt
    Relief News

    Read up on the latest news about debt consolidation and financial wellness.

    Learn More
  • Debt Consolidation Guide

    Is debt consolidation right for you? Get quick answers.

    Learn More
  • Share
    The Wealth!

    Share your innovative ideas in our monthly contest. You could walk away with a $250 monthly prize!

    Enter Now!
  • Personalized
    Debt Consolidation

    CareOne providers offer individualized plans and financial counseling without a loan.

    Learn More
Offering CareOne Debt Relief Services: