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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

  • If You Have a Pet, You MUST Have an Emergency Fund

    Published Tuesday, September 02, 2014 8:00:00 AM by t_pizel

    I knew something was wrong the instant my phone buzzed its way across my desk. 

    My daughter never calls me at work unless something is wrong. With great concern in her voice she described how one of our cats was throwing up frequently and trying to hide underneath our son's bed. I calmly told her that just like humans, sometimes cats don't feel well. I stated that we'd keep an eye on her, but not to worry as I was sure our furry friend would feel better soon.

    Ten minutes later I received a second phone call. 

    My daughter had used the time to search the internet and had managed to match our cat's symptoms to a serious feline disease. When my wife and I got home, our daughter was very upset which resulted in my wife also becoming quite upset about the state of our cat. A few phone calls later, we were off to the vet.

    After a checkup, blood work, and some shots we walked out of the vet's office with a bill for $370.

    This was obviously not a planned expense, so the question my wife naturally asked was, "Where's the money coming for to pay for this?"  The answer came out of my mouth without even thinking, "That's why we have an emergency fund."

    The day to day expenses of having a pet are fairly insignificant. 

    Between cat food and litter my two cats cost me right around $30 a month. But we also have to think of the yearly vaccinations and checkups to ensure our pets are healthy. While we were going through our debt management program our cats missed several of their yearly vet visits because we always thought there was a better use for the limited funds we had. 

    Thankfully, we didn't have a pet medical emergency during that time period, as it would have been extremely difficult to scrape together the money for a bill that size while our budget is tight.

    There are countless reasons why we need an emergency fund including unexpected car breakdowns, human medical emergencies, and home repairs. But we also have to remember our four legged family members, and be ready to take care of them in an emergency as well.

    Have you had a pet emergency while your budget was tight? 

    How did you handle it?

    Related Links:

    Infrequent Expenses Should NOT be Emergencies

    Taking Care of Delayed Expenses

    Don't Spend Money You Don't Have

    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 the

    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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  • 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.

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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.

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  • Reduce your debts, payments and interest rates
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    • "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
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