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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

  • Squeezing Out Every Drop of Value

    Published Tuesday, September 16, 2014 8:00:00 AM by t_pizel

    One of the very important lessons I learned while going through our debt consolidation plan was to squeeze every drop of use out of the things we have. It's all about getting the most value out of the things we buy in order to delay the need to open up the wallet to purchase new things.

    Let me give you an example.

    In February of 2008 I purchased a chimney charcoal starter for $15. I've used my charcoal chimney several times a week for over six and a half years. It's been the method to start my grill to cook countless burgers, pork chops and steaks. It's also what I used to light my charcoal as I taught myself how to make ribs, brisket, and pulled pork. 

    We've made some great food together.

    It hasn't looked pretty for several years. 

    It's scorched and discolored from years of being exposed to burning hot charcoal. It's rusted from accidentally being left out in the rain. It's no longer round due to the time I threw it across my concrete patio because I left the charcoal in it too long and the handle got too hot. Worst of all, last summer the rivets that hold the product together started to come out.

    Over the last two years, it's slowly been coming apart.

    Occasionally, my wife would come visit me next to my grill, look at my broken down charcoal starter and tell me I should get a new one. I would just shake my head, refusing to shell out $15 for a new one. I didn't care how ugly my chimney was, or how nonfunctional it appeared.

    As long as it held together just enough to keep working, I was going to keep using it.

    Sadly, nothing can last forever. 

    Over Labor Day weekend, the final rivet finally popped, and my charcoal chimney completely fell apart. I drove to my local hardware store and purchased a new one as we were planning to grill burgers that evening.  

    But I didn't pay full price for my new charcoal chimney.

    A few months ago, my local hardware store was having a sale in which you could fill out a rebate form and receive a merchandise credit for 11% of your purchase. We did some home improvement projects over one weekend and earned an $11 credit. 

    Using my merchandise credit, my new charcoal chimney cost me just over $4.   

    Here's to hoping this one lasts another six and a half years!

    Have you ever continued to use something even though it was breaking down, and it would have been easy just to buy a new one? What kind of products do you try to squeeze every penny of use out of?

    Related Links:

    Sales do Not Always Equal Value

    Tracking Spending Helps Me Spend Money Wisely

    Have My Financial Habits Changed Now That I'm Done With My Debt Consolidation Program?

    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

      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:

  • 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.

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