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Debt. We've been there. We can help.

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.

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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.

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    Published Tuesday, January 31, 2012 8:17:00 AM by dlbauman Believing is half the battle! You just have to convince yourself that something has to change. What is the alternative? read more >

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

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