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

  • 6 Unexciting but Necessary Living Expenses, and How to Minimize Them

    Published Thursday, September 18, 2014 8:00:00 AM by NoraDunn

    There are a lot of things we pay for but rarely get any kicks out of. These expenses are necessary - for comfort, protection, and even survival. Or are they?

    Here are six unexciting but necessary living expenses, with some techniques to minimize them.


    First and foremost, you need a roof over your head. This is also likely the most expensive of your unexciting necessary expenses. Standard accommodation takes the form of rent or a mortgage, and conventional wisdom says it shouldn't comprise more than 25% of your income (although for many people it's more).

    Accommodation Reduction Techniques: You can reduce accommodation expenses by living outside of major city centres (but depending on where you work, shop, and socialize, this can increase your transportation costs). Subsidize your accommodation by renting out a spare room to travelers.

    If you want to get really creative, you can even eliminate accommodation costs with long-term house-sitting gigs and other free accommodation tactics.


    Unless you're using pedal power or walking everywhere, transportation costs. Needs vary dramatically, depending on where you live and work.

    Transportation Reduction Techniques: Owning and operating a car is the most expensive; if you live in or near a city, consider car sharing, ride sharing, and carpooling. A scooter is cheaper than a car if you can get by with one, and public transportation is even cheaper yet.

    Note: Accommodation and Transportation are your biggest living expenses. And since one usually comes at the cost of the other (i.e.: living in the city reduces transportation expenses but increases rent), analyze the cost differential to determine your best option. 


    Now it's time to make the roof over your head functional with utilities like power, heat/air conditioning, and water.

    Utility Reduction Techniques: Temperature is the most easily reduced utility; turn the heat down and bundle up in winter, and strip down to enjoy summer heat without blasting air conditioning. Insulate your windows and walls to moderate temperatures year-round.

    Practice water-saving and power-saving techniques, and if you can, bundle your services for greater savings.


    Phone and internet are arguably life necessities, with our ever-increasing need to remain connected.

    Telecommunications Reduction Techniques: Since almost everybody has a cell phone, you can probably do away with your home phone. Depending on your internet needs, a good cellular plan alone might suffice; even if you need internet for a tablet or home computer, you could tether your cell phone, access free Wi-Fi in cafes, or simply use a connection at work in your spare time.

    When choosing a cellular/internet plan, carefully evaluate your needs. Don't pay for services you don't need, and beware of extra charges like cell phone roaming when traveling.

    Note: Cable/satellite television is not a necessary living expense! Even if you're addicted, consider finding online alternatives. (See also: 8 Expenses You Can Cut Out of Your Life)


    Insurance is the art of hedging your bets, paying a small(ish) premium now to prevent financial detriment if catastrophic things happen later. And there's an overwhelming amount of insurance available (some of it legally required), including auto, property/renter's/homeowner's, disability, health, life, critical illness, and travel insurance.

    Insurance Reduction Techniques: Driving a smaller vehicle (or no vehicle at all) reduces your auto insurance. You may already have disability/health/life coverage through work, although you'd best read the fine print. You might have travel insurance through your credit card, and you might wish to "self-insure" other financial disasters with emergency savings.

    Gather all your insurance policies for your next semi-annual financial review and analyze what you have, what you need, and what you can eliminate. 


    Last but not least, we gotta eat. Food is a highly variable expense, depending on your diet, daily routine, social protocols, and location.

    Food Expense Reduction Techniques: Obviously the less you eat out, the more money you'll save. Alcohol is a killer, so keep social drinks to a minimum. Even frugal shopping at the supermarket is not as easy as it appears: here are 17 ways to save money at the supermarket.


    7 Unsatisfying but Necessary Travel Expenses to Budget For

    Do You Really Need It? 8 Expenses You Can Cut Out of Your Life

    Gas, Electric, and Water - Oh My!

    Nora Dunn, travel and lifestyle expert guest blogger for leading provider of debt relief, CareOne Services, Inc. Nora Dunn

    Nora Dunn is The Professional Hobo: a full-time traveler and freelance writer. Having sold her business and belongings to travel, she has been on the road since 2007. She travels in a financially sustainable manner, specializing in creative travel strategies like getting free accommodation and flying in business class for less than economy prices; all the while earning income with her location independent career.

    As a former Certified Financial Planner, she is financially responsible for her actions along the way. She believes there is a fine balance between planning for tomorrow, and living for today.

    She has penned the book How to Get Free Accommodation Around the World, is contributing author to the book 10,001 Ways to Live Large on a Small Budget, and a regular columnist for Wise BreadTransitions Abroad, Credit Walk and many other publications.

    Please enjoy her articles on the topics of travel, personal finance, and lifestyle design.

    You can also connect with Nora on Facebook, Twitter, and Google + Nora Dunn

    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: