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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

  • All Is Fair In Love, War….and Debt.

    Published Monday, June 17, 2013 8:00:00 AM by Katie_S

    Here's the scenario.  At the end of the month, I am going on a "girls'" weekend that will include me, my mom, my sister, my three nieces, and my nephew.  Yes, nephew; don't ask-it's a long story for another time. 

    What originally started out as just me, my mom, and my two older nieces has since multiplied. 

    Not that I am not excited to enjoy the vacation with more of the family (no, that wasn't sarcastic), it has started to complicate things a bit more, financially.  My mom and I did a lot of research before our trip-where to go, deals that could be made, how to travel, etc.  We did an awesome job of using my accumulated hotel points to secure a very nice suite for our stay, we used my airline points for some upgrades, and we found a good destination where we could do some really fun things but not break the bank and just enjoy our time with the girls. 

    The agreement was that we would split everything between the two of us and the girls would have their own spending money. 

    Well, once my sister got wind of the great deals we were getting and setting up, she decided she wanted to join us AND bring her younger kids.  Well, now we have gone to a fairly easy vacation of four to a more difficult vacation of seven.

    That long explanation brings me to my blog topic:  when is it fair to say to my sister, you are now bringing more people on this trip and therefore you need to pay more? 

    For example, with the original trip, mom and I would have needed a rental car that fit four, which is very easy and relatively cheap.  Now we have to rent a van that fits seven, plus luggage, which is not so easy and not so cheap.  Is it fair to have to split that van three ways or should my sister have to pay more?  Taking it further and outside of this vacation, going out to dinner with family, say it's me and my husband and my brother and his wife and their two kids.  Bill comes and the comment comes out - let's just split it down the middle, it's easier that way. 

    Ummmmm, easier, but fair?  Out after work one night with coworkers or friends: Everyone agrees to buy a round. You take the first round and with each additional round people leave or change to water or soft drinks.  Huh? 

    So, is it OK for me to sit down with my sister and tell her she has to pay more on this vacation? 

    Is it OK to make it clear when the bill comes that we are only paying what me and my husband ate?  Is it socially acceptable to let the group know prior to Happy Hour that I prefer to just pay for my own drinks? 

    I don't know! 

    I am sure it is the right thing to do and makes perfect sense, but I don't know if I want to be the spoil sport or "that" person that makes money such a big deal; but then again, I guess that is what got me into debt in the first place so it's probably a good time to make some changes!

     

    Katie Lupo, Debt Management Plan Graduate with leading provider of Debt Relief, CareOne Services, Inc.Katie Lupo

    Katie is a VERY recent graduate from the CareOne Debt Relief Services Debt Management Plan (DMP). You can read more about Katie's experience in the My Journey out of Debt and A Straight Talk on Debt blogs. In her blog, Katie explores life without credit cards, living on a 'real' budget and making the adjustment from spender to saver. Katie has been blogging about her DMP since she started and has over four years of experience on the plan. Katie lives just outside of Charlotte North Carolina with her husband and rescue dogs. Compensated Blogger for CareOne Debt Relief Services.

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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.

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    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 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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