Debt Help

Just because you’ve fallen into debt doesn’t mean you have to go it alone. A reputable credit counseling agency, like a CareOne service provider, has the experience, resources and trained personnel to help you turn your financial life around.

We start by educating our clients to ensure they properly understand debt and all of the options available to them for managing their debt. The Providers of CareOne Credit Counseling Services have worked to provide our clients with an extensive number of resources for learning about credit and debt, how to save, being a smart consumer, budgeting methods and much more. We are constantly adding to the information we supply to ensure its relevant and up to date.

Beyond offering clients plenty of learning material, our credit counselors work with each client one-on-one to get an in-depth understanding of their financial situation. It’s only after we have gathered this pertinent information and discussed your financial goals with you that we begin forming a course of action for better debt management.

CareOne providers offer two debt relief plans: debt management plans and settlement plans. Our debt management plans, or DMPs, are tailored to each individual client and their needs. These DMPs are developed by your credit counselor who works with you to improve your financial habits by targeting your problem areas, creating a manageable budget, learning how debt affects you and more.

Your counselor will also work with your creditors as part of your debt management plan in order to negotiate benefits that will make managing your debt easier. These benefits can include a lowered interest rate and waived fees which will reduce the overall monthly cost.

Another debt management option is a debt settlement plan. It’s possible with a debt settlement plan to settle your accounts by paying off a portion of the debt if you are unable to pay it in full. Our credit counselors negotiate with creditors to reach an agreeable, lowered amount that’s to be repaid over time. Clients who have chosen this option have seen their monthly payments reduced by up to 70% and usually have their debt paid off within 3-5 years.

If you would like to learn more about debt management plans and debt settlement plans available through CareOne providers please take a brief moment to provide us with your information. We’ll contact you shortly to discuss how much you can save using these plans and you’ll get access to our Surviving Debt Guide completely free of cost with absolutely no commitment.