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

  • Financial Expert Spotlight-Jason Cabler

    Published Wednesday, May 16, 2012 8:00:00 AM by CoachSuzanne

    We are talking to financial experts about their experiences with debt. These experts have been in your shoes and are sharing their stories and how their personal experiences with debt have shaped their relationship with money and led them to what they are doing today, helping others. 

    Today we are talking with Jason Cabler, owner of Celebrating Financial Freedom. 

    How have you been personally affected by debt?


    One of the biggest ways I've been affected by debt was the tension it caused in our marriage. Having that debt hanging over our head was a huge concern that affected our stress level and our happiness. When my wife Angie and I finally came to agreement that we needed to do something and we actually made a plan and did it, it actually brought us closer together and enhanced our relationship because we were tackling the problem together instead of laying blame.


    How did you manage to get out of debt?

    We got out of debt after participating in a popular get out of debt course that inspired us to get moving. Once we decided what we needed to do, we just followed our plan and a couple of years later we were out of debt except for the house. I became so inspired that I even ended up developing my own course!


    What is your blog about?


    My blog is about learning to become debt free and live a debt free lifestyle from a Christian perspective. I believe debt is a terrible use of your money and having zero debt will bring HUGE blessings to your life if you just commit to doing it.

    Does your blog give you the opportunity to give back to others dealing with debt?

    I'm able to give back through teaching my Celebrating Financial Freedom course at my church, and also through all the great free advice you'll find on my blog. My goal is to change as many lives as possible just like ours were changed when we got ourselves free from the bondage that is debt.

    What is your best piece of financial advice?

    My best piece of financial advice is threefold:

    1. Decide you're going to get out of debt, no matter what.

    2. Make a plan.

    3. Stick to the plan.

    It's very simple, but most people overanalyze it and make it too difficult. Those 3 steps are all that you need.

    At CareOne we believe personal experiences are what make an expert.

    Please visit Jason at his blog, Celebrating Financial Freedom and learn more about living a debt free lifestyle from a Christian perspective.

    Read Full Post

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, we provide you with multiple debt consolidation options to help you become debt-free. 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 services, and all of our providers are 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 manage their debt. Assisting this many people has provided us with a unique opportunity to compile some meaningful debt statistics about the people helped. This information is provided for all states and the most populated 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 how to use and manage your debt more effectively. 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.

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 debt relief plan

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
    Reviews

    Check out the latest reviews on CareOne.

    • "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
    • "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
    Tracy Q. Date of review I am so happy that I found CareOne… 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. 5

  • Latest Debt
    Relief News

    Read up on the latest news about debt relief 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

    CareOneSM debt relief services provide individualized financial counseling and education to help you conquer your debt.

    Learn More
Offering CareOne Debt Relief Services:
McAfee Secure