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Can I still use my credit cards if I enroll in the Debt Management Plan?

The objective of the Debt Management Plan, which is a different program than a Settlement Plan, is to get you out of debt as quickly as possible, so the creditors you put on the Plan may inactivate their accounts with you while at the same time granting you benefits.

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Can my creditors take legal action against me while I am enrolled in a debt management plan?

Your creditors have the right to take you to court even if you are enrolled in a debt management plan (DMP). Contact us immediately if this happens. If you do have to go to court, your payment history on the DMP can serve as evidence of your good faith effort to repay your debt.

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What information do I need to enroll?

To enroll in one of our debt relief plans, please have:

1. Estimates of your monthly expenses and income to help you build a budget.
2. Your bank account information if you wish to take advantage of our EasyPay system (recommended).

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What can I access with my member log-in?

Your user name and password allow you to continue your saved enrollment and give you access to My CareOne. My CareOne is for everyone, whether you're on a program or simply serious about financial fitness. It's packed with valuable money-saving tips, a message inbox for important news from CareOne, tools to help you track your goals, and more. If you're enrolled in a program, you can get at-a-glance progress updates and secure access to your program information - whenever you need it.

Also in My CareOne, you'll have access to our online community - a great place to connect with other people who are interested in learning about financial fitness. You'll have a chance to share your experiences, ask our experts for advice, and more.

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Can I increase my monthly Plan payment amount?

Absolutely. If you are currently enrolled in a Debt Management Plan, which is different than the Settlement Plan, you can increase your payment by logging in to My CareOne and visiting the My Program section. Select Increase My Payments, under My Payments on the left of the screen. Remember, changes to your payment amount must take place at least three business days prior to your monthly due date. If you have increased your monthly payment amount and you want to change it back to the original amount, contact us by e-mail, call us, or have us call you.

If you are enrolled in the Settlement Plan, you can increase your monthly Plan payment amount by calling 1-800-CARE-123 (1-800-227-3123).

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