CareOne Services, Inc. is different from other debt relief providers because we recognize that you are distinctly different from other in-debt customers.

You can rest assured that, while we've helped many people who have faced similar financial situations, we treat you as an individual, and work with you to create a personalized and realistic debt relief plan that best meets your needs and fits your unique situation.

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The two primary debt relief options that we offer are a Debt Management Plan (DMP) and a Debt Settlement Plan (DSP).

With a DMP, we work with you to consolidate all of your unsecured debts into a single monthly payment with the goal of receiving better repayment terms from most creditors and paying back your debt in full over an approximate 5-year period. Our DSP is a more severe solution for those who cannot afford the DMP monthly payments, and involves us negotiating with your creditors on your behalf to accept a partial repayment of your debt. If, after fully reviewing and analyzing your financial situation, bankruptcy appears to be the most appropriate option, we will refer you to an attorney to discuss your bankruptcy options.

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The first step we take to help you determine the most appropriate solution for your individual needs is to conduct a thorough review of your financial situation during your free financial assessment.

We work with you to create a spending plan based on your income and all of your expenses, including bills, payments, household expenses, and any other cost-of-living expenses. We then walk you through your debt repayment options and help you make an informed decision as to which plan best suits your specific needs. On the following page is a list of some of the major considerations we help you think about when selecting the most appropriate solution. In addition to this list, we also carefully review your budget and make sure that the plan we are recommending is affordable, given your budget.

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Selecting Your Customized Debt Relief Plan

A DMP may be the right solution for you if:

• You are currently making minimum credit card payments
• You are just beginning to fall behind on credit card payments
• You have assets, but are struggling with unsecured payments
• You have cross-collateralization issues

A DSP may be the right solution for you if:

• The majority of your debt has already been delinquent for more than three months
• The majority of your debt is in collections
• You are struggling to make any of your payments
• Your budget shows that a DMP is not an affordable option
• You are already receiving legal notices and cannot afford your monthly payments
• You have recently experienced a life-changing event, such as a job loss or illness, and are no longer able to make your monthly minimum payments