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How can I read older posts?

Within each blog, older posts are stored in the "archive section." You can find this on the right hand labeled "Archives." The posts are saved by month and by clicking on each month, all the comments posted that month for that post will appear.

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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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How do I register?

To create an account, click the New User link at the top of the site, or click Create a User Log-In on the Member Log-In page and complete the form. We'll ask you to choose a user name and password and enter your e-mail address.

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Will a debt relief plan stop collection calls?

This depends on the type of plan that you enroll in. With the Debt Management Plan, collection calls usually stop after the third consecutive payment. If you continue to receive collection calls after your creditor has posted three consecutive payments, please contact us by e-mail with the name of the creditor and the last four digits of the account number to allow us an opportunity to investigate.

If you are enrolled in the Settlement Plan, collection activity, including calls, is likely to increase until settlements occur. This is to be expected, because monthly Plan payments are being deposited into your protected escrow account, rather than being sent to your creditors every month. Once a settlement occurs with a creditor, all collection activity will stop. It is important to understand this difference when enrolling in the Settlement Plan.

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How will a debt settlement plan help me?

A Settlement Plan is an alternative to bankruptcy for those who want to pay back at least a portion of their debt, but cannot afford to fully repay their debt on their own, or through the Debt Management Plan. On a Settlement Plan, your monthly payments are held in a protected escrow account while negotiations take place with your creditors for a less-than-full repayment.

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