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We got out, and so can you.

CareOne Services, Inc.

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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

  • 3 Views to get to The Bigger Picture

    Published Friday, May 18, 2012 8:00:00 AM by CoachTammy

    Getting out of debt is never easy and there can be many bumps on the road during the process. The thing to remember is that you must continue to look at the bigger picture.

    What does the bigger picture look like? I am glad you asked!

    View number One - You will not always be where you are now. 

    It does not matter if you are in month one or month forty of your journey to become debt free. The thing to remember is you will not be in this place months and years from now. With each monthly payment, every accepted settlement offer, you are literally one step closer towards reaching the bigger picture.

    That picture includes a day where you can say, "I am debt free!" or least at a place where your debt is manageable. Let's face it, we will always have some type of debt, but the key is being able to control the debt and not have the debt control you. 

    View number Two - Your hard work and dedication is paying off.

    Each victory begins with small steps toward the end goal. Although it may not seem like your monthly payment makes a difference in the beginning, it really does. Small steps lead to victory, small steps lead to personal achievement, small steps lead to helping you achieve the bigger picture.

    View number Three - Life after debt, begin to prepare now.

    You do not have to wait until you complete the plan to start planning for the future. Take some time to review your budget to determine where the funds you are currently paying CareOne or Persels and Associates will go once you are complete the plan. Here are a few things to keep in mind:

    1. Consider using some for an emergency savings fund, medical savings fund or pet emergency fund
    2. Pay towards secured debt or other debt that you owe
    3. Plan ahead for the holidays and vacations
    4. Create a fun account - extra money to use just because you want to treat yourself
    5. Paying quarterly premiums as a once a year payment

    6. Investing more in a 401k or other retirement option

    View of the Bottom line:

    Focus, Focus and Focus some more. Do not lose sight of the bigger picture and celebrate each and every milestone. Look towards the future with anticipation, expectation and a confidence to fulfill your life goals and dreams.  

    Coach Tammy Bradford, CareOne Debt Relief Services Community SpecialistCoach Tammy

    Thomasene "Coach Tammy" Bradford joined the CareOne social media team as a Social Media Specialist in September 2009 and works to provide the highest level of customer service in the community. Tammy is passionate about helping people through the debt experience and having been through it personally, she knows what it is like! See Tammy in action in the Ask the CareOne Expert forum and throughout the community.

    To follow CareOne click here!

     

    Read Full Post

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

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  • 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.

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  • 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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  • CareOne
    Reviews

    Check out the latest reviews on CareOne.

    • "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
    • "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
    Tracy Q. Date of review I am so happy that I found CareOne… 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. 5

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