Every day, thousands of people reach out to us for help with managing their debts. For years, we have been able to help consumers repay their credit cards and other unsecured debts at a monthly payment that works within their budget. It all begins with a thorough assessment of your situation to determine which solution works best for you. You will also benefit from on-going support with money management education and a wealth of resources at your fingertips to help you build a sound financial future.

The following providers offer the CareOne^SM brand of debt relief services and have met stringent standards for quality, education and compassion. CareOne Services, Inc., and Amerix Corporation perform some services on behalf of each of these providers:

CareOne Services, Inc.

8930 Stanford Boulevard
Columbia, MD 21045-6971
1-888-888-CARE
www.careonecredit.com

Member of Association of Credit Counseling Professionals
Member of American Association of Credit Counselors
Accredited by the International Standards Organization (ISO)

CareOne Services, Inc. Officers

View the CareOne Services, Inc. Privacy Policy.

Mississippi Licensed Debt Management Service Provider. Licensed by the Vermont Department of Banking, Insurance, Securities and Health Care Administration. Oregon license number DM-80005. Our debt settlement fee structure in Utah is a success fee of 30% of the amount saved on each settlement. The total fees will never exceed 18% of the amount of the debt included on a plan at the time of enrollment. NOT A LOAN COMPANY. We do not lend money.

The Commissioner of Financial Regulation for the State of Maryland will accept any questions and complaints from Maryland residents regarding CareOne Services, Inc., license number 14-65 at 500 N. Calvert Street, Suite 402, Baltimore, MD 21202, phone 1-888-784-0136.

CareOne Services of California, Inc.

8880 Rio San Diego Drive, Suite 800,
San Diego, CA 92108
1-800-227-3123
www.careonecredit.com

View the CareOne Services of California, Inc. Privacy Policy.

Consumer Education Services, Inc.

3700 Barrett Drive
Raleigh, NC 27609-7248
1-877-569-CESI
www.cesidebtsolutions.org

Member of AICCCA.

CESI also administers Clarion Credit Management and Debt Management Group accounts.

View the Consumer Education Services, Inc. (CESI) Privacy Policy.

Mississippi Licensed Debt Management Service Provider. Licensed by the New York Department of Banking. Licensed by the Vermont Department of Banking, Insurance, Securities and Health Care Administration. Oregon license number DM-80057. NOT A LOAN COMPANY. We do not lend money.

The Commissioner of Financial Regulation for the State of Maryland will accept any questions and complaints from Maryland residents regarding Consumer Education Services, Inc., license number 14-24 at 500 N. Calvert Street, Suite 402, Baltimore, MD 21202, phone 1-888-784-0136.

Consumer Credit Nationwide

3445 Spring Street,
Davenport, IA 52807
800-838-8830

Cambridge Credit Counseling Corp.

67 Hunt Street
Agawam, MA 01001

Please note that we are NOT A LOAN COMPANY. We do not lend money.

Cambridge Credit Counseling Corp. is a VT and MS Licensed Debt Management Service Provider. In MS, our license number is 22/2012, while in Oregon our license number is DM-80020. Our MD Debt Management Registration number is 14-42. Cambridge is licensed by the NY State Department of Financial Services, and is also licensed and/or conducting business in: AL, AK, AR, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MA, MI, MT, MO, NE, NH, NJ, NV, NM, NC, ND, OH, OK, PA, SC, SD, TN, TX, UT, WA, WV and WY. Additional licensing information is available upon request.

Establishment of a plan may adversely affect your credit rating or credit score and may make it more difficult to obtain credit. As always, nonpayment of debt at any time may lead your creditors to increase finance and other charges or undertake collection activity, including litigation. State-regulated fees may apply for debt management plans.

Debt Reduction Services, Inc.

6213 N. Cloverdale Rd Ste. 100
Boise Idaho 83713
877-688-3328

STATE DISCLOSURES

Illinois

Debt Reduction Services Inc. does not lend money.

Kansas

The Kansas Office of the State Bank Commissioner will accept questions from consumers regarding Debt Reduction Services Inc. (Registration #CSO-1012) at:
700 SW Jackson,
Suite 300
Topeka, Kansas, 66603
or by calling toll-free 1-877-387-8523

Maryland

The Commissioner of Financial Regulation for the State of Maryland will accept questions and complaints form Maryland residents regarding Debt Reduction Services (license # 14-27) at 500 North Calvert Street Suite 402 Baltimore, MD 21202. 1-888-784-0136.

Mississippi

Debt Reduction Services, Inc. is a "Licensed Debt Management Service Provider" regulated by the Department of Banking and Consumer Finance, of the State of Mississippi. License # 33/2006.

New York

If you have any inquiries about the status of Debt Reduction Services Inc., a licensed Budget Planner regulated by the New York State Banking Department, you may call the Banking Department's toll-free number, 1-877-226-5697. This is not a customer service phone number for Debt Reduction Services Inc. To reach a customer service representative at Debt Reduction Services Inc., call toll-free 1-877-688-3328.

Oregon

Debt Reduction Services, Inc. is a "Licensed Debt Management Service Provider" regulated by the Department of Consumer and Business Services, of the State of Oregon. License # DM-80018.

Pioneer Credit Counseling

Black Hills Children's Ranch, Inc.
Pioneer Credit Counseling
Pioneer Credit & Debt Consolidation Services (Arizona and Nebraska)

1644 Concourse Drive
Rapid City, SD 57703
1-800-888-1596
www.pioneercredit.com

Pioneer Credit Counseling is

A non-profit 501(c)3 Debt Management Service Provider
ISO 9001:2008 Accredited by the International Standards Organization
Member of The Association of Independent Consumer Credit Counseling Agencies (AICCCA)

Pioneer is not a loan company or an insurance company. Pioneer provides Debt Management Services in the following states: AL, AK, AZ, AR, CA, CO, DC, FL, GA, HI, IL, IN, IA, KS, LA, MA, MI, MO, NE, NV, NM, NC, ND, OH, PA, SC, SD, TN, TX, WA, WI, WY.

Debt Management Credit Counseling Corp.

3310 N. Federal Highway
Lighthouse Point, FL 33064
866-618-3328
www.dmcccorp.org

Illinois

Debt Management Credit Counseling Corp. does not lend money.

Maryland

The Commissioner of Financial Regulation for the State of Maryland will accept any questions and complaints from Maryland residents regarding Debt Management Credit Counseling Corp., License # 38, at Commissioner of Financial Regulation, 500 N. Calvert Street, Suite 402, Baltimore, MD 21202, Phone (888) 784-0136.

Mississippi

Debt Management Credit Counseling Corp. is a Licensed Debt Management Service Provider. License # 18/2012.

New York

If you have any inquiry or complaint, you may call the New York Banking Department's toll-free number, 1-800-522-3330, write to the New York State Banking Department, c/o Consumer Services Division, One State Street, New York, New York 10004, or submit a complaint filed electronically via the Banking Department's website at www.banking.state.ny.us.

Oregon

Debt Management Credit Counseling Corp. is a Licensed Debt Management Service Provider. License # DM-80063.

The following national law firm offers legal services to consumers, including negotiation of clients' debts, and is supported by CareOne^SM technology:

Persels & Associates, LLC

Persels & Associates, LLP (in Michigan and California)

Persels & Associates, PLLC (in North Carolina)

29 West Susquehanna Avenue
Suite 400
Towson, MD 21204
1-866-939-PALAW (7252)

View the Persels & Associates Privacy Policy.

Persels & Associates is a full service national law firm. P&A attorneys have many years of practice experience assisting clients who are having trouble managing their debts and are well versed in debt issues. P&A represents its clients in the negotiation of their debts, and provides litigation support, bankruptcy counseling and many other legal services. CareOne Services, Inc., provides administrative, technology and paralegal services to Persels & Associates.

This website may be considered an advertisement under Section 7.2 of the Maryland Professional Code of Ethics and other various state ethical rules. Neil J. Ruther, a member of the Maryland Bar, is the attorney responsible for these advertisements. Persels & Associates, LLC, did not produce and is not responsible for the content of off-site legal resources. The choice of a lawyer is an important decision and should not be based solely upon advertisements. Persels & Associates is a debt relief agency and helps people file for bankruptcy relief under the Bankruptcy Code.

Like many large organizations, Persels & Associates is self-insured and does not carry professional liability insurance.

The information provided on this website is not intended to be legal advice. Please contact an attorney for legal advice. Viewing of these materials does not constitute an attorney-client relationship. No person should rely or act upon information or materials available from this site without professional advice.

The debt management plan or settlement plan may adversely affect your credit profile and make it harder for you to obtain credit. It is also important to note that non-payment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation. All services are not available in all states.