Search Results

Why do I need to register to post in the forums and post a comment in the CareOne blogs?

The CareOne Community requires that you create an account before you start posting in the forums and adding a comment to the blogs. Although you can still read posts and comments as a guest. Registering for an account also allows you to take advantage of all the features in The Community, including setting your own avatar, rating a discussion thread, adding favorites, tracking post counts, e-mailing other users and sending private messages. It only takes a few seconds to register!

Back to Top

 

Do I have to include all of my credit cards on the debt management plan?

It would be in your best interest as this is how you will receive the maximum benefit. The goal is to help you become completely debt free in the quickest and most efficient way possible. In order for us to accomplish this, we need to manage all of your unsecured debts. We want to help you with the whole problem, not just part of it. Many creditors may not extend benefits to you if you do not place all of your credit cards on the plan. It is strongly encouraged that you put all of your cards on the plan in order to receive maximum benefits.

Back to Top

 

Why have my creditors stopped my Debt Management Plan benefits?

Your creditors might stop applying benefits due to some of the following reasons:

1. Skipping Payments:
Skipping a payment could affect benefits with your creditors since they expect to receive payments every 30 days. When you skip a payment, creditors are within their rights to charge late fees and higher interest rates, especially if you do not make up that payment. If you lost benefits due to missed payments, we will encourage you to contact us to make up the missed payment and then we can send a new proposal to the creditor.

2. Paying outside of the program:
You can lose your program benefits if you send payments to your creditors outside the program. Please avoid sending payments directly to your creditors. Contact us if you need to make extra payment and we can increase your next payment amount.

3. Opening new credit accounts:
By opening any new accounts after joining the program, you could risk your benefits. Please contact us if you are not receiving benefits, but you have not missed any payments and have made more than three consistent payments on the program. A CareOne representative will contact your creditor concerning your benefits, then we will contact you once there has been a resolution.

Back to Top

 

Do I need to continue sending payments to my creditors after I have signed up for a Debt Management Plan?

As you get started on the Debt Management program, it’s critical for you to get off to a solid start with timely, consistent payments. We suggest to our new customers to make sure that they set aside the money to make their first plan payment. If there’s money leftover and you have credit card payments due before the plan gets underway, go ahead and pay the bills. If you’re not able to pay the credit card payments due before the plan goes into effect, you may see late fees reflected on your next creditor statements. Keep in mind that these late fees are typically eliminated after three consecutive payments on our program.

Back to Top

 

Why am I required to log in to The Community to post, view members, or e-mail other users?

We ask you to log in to The Community before you post or e-mail other users to protect the privacy of other Community members who have shared their information and to ensure members do not receive unwanted or unsolicited e-mail.

Back to Top