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A Quick Guide to Managing Your Debt Management Plan in My CareOne

Download this Guide as an Easy to Read PDF.

What is My CareOne?

My CareOne is an online portal that provides you with the tools necessary to:

  • Manage your account and make plan-specific changes
  • Track your progress
  • Ask plan-related questions
  • View personalized content specific to you, your situation, and your debt relief plan
  • Connect with customers facing similar challenges
  • Access a variety of free gadgets and resources to help you manage your finances

Your Account with My CareOne

Did you know that you can easily make many plan-specific updates to your account by logging into My CareOne? Here are detailed, step-by-step instructions to help you make some of the most common changes to your account.

Please note that in order to make any of the plan changes listed in this guide, you must log in to your My CareOne account and click the My Program tab.

Example

Retrieving a Forgotten Password or User Name:

  1. Click on "Member Log In" in the upper right corner, or, once in My CareOne, click on "Log in" under the My Messages gadget.
  2. Click on either "Forgot your password?" or "Forgot your user name?" depending upon which you have forgotten.
  3. If you have forgotten your password, you will be taken to a screen and prompted to enter your user name. Once you enter your user name, you will be asked to answer the security question you selected when your account was initially created, and will then be taken to a screen to reset your password.
  4. If you have forgotten your user name, you will be taken to a screen and prompted to enter your address so that we can email you your username.
Example

Increasing Your Plan Payments:

  1. Click the Increase Payments link on the right side of the page under Edit Program Details.
  2. To increase a payment, enter the amount you would like to increase the payment by in the "Increase My Payment By" field. For example, if you are currently making a payment of $100 per month, and you would like to start paying $150 per month, enter the difference between the two ($50) in the field. The New Payment column will show the updated total you will now be paying.
  3. Depending upon whether you want to increase your payment for all future monthly payments moving forward or for just a one-time payment, click either Apply to All Future Payments or Apply to Next Month's Payment Only.
Example

Changing Your Plan Payment Date:

When changing your payment date, please keep in mind that changes to your payment cycle could impact your benefits. If the new payment date is more than 15 days from the current date, please call us at 1-800-CARE123 to review changes with a counselor and to confirm that your creditors will still receive your monthly payment on time.

  1. Click the Change Payment Date link on the left side of the page under Edit Program Details.
  2. If changing your next payment date only, make the change under "Your upcoming payment occurs on:" by clicking the calendar icon and selecting the new date.
  3. If changing your program payment date for all future payments make the change under "Subsequent payments are due on:" by selecting a date from the dropdown menu
  4. Click Save Changes.
Example

Changing Your Payment Method:

  1. Click the Update Banking Information link on the left side of the page under Edit Program Details.
  2. Change the primary account holder if the applicant on the account is changing.
  3. Select "checking" or "savings" from Bank Account Type.
  4. Edit routing and/or account number and click Submit.
  5. Once you have submitted the changes, you will receive an email with the name of your bank as a confirmation. Select "Yes" if the name is correct, or "No" if it is incorrect.
Example

Tracking the Progress of Your Proposals:

  1. Click the Proposal Status link on the right side of the page under Program Details.
  2. This page will display a list of creditors and account numbers, along with proposal statuses, explanations and definitions of each status.
Example

Adding a Creditor to Your Plan:

When adding a creditor, please make sure that you are able to afford the increase to your monthly payment, as consistent payments are critical to keeping your benefits. If you are unsure, please call us at 1-800-CARE123 to discuss your situation with one of our counselors.

  1. Click the Add a Creditor link on the left side of the page under Edit Program Details.
  2. Select whether the account you are adding is a credit or store account, or a different type of account. If you are unsure as to what type of accounts can be added to your plan, hover over the question "What type of debt can I add?" to see a complete listing of types of debts that can be added to your plan.
  3. For credit or store accounts, you will need to enter the primary account holder name, payment status, account number, account balance, and monthly payment.
  4. If the account is a different type of account, you will need to enter the type of debt, the primary account holder name, payment status, creditor name, creditor address, creditor phone number, account number, account balance, and monthly payment.
  5. Click Submit.
Example

Please feel free to contact us at 1-800-CARE123 with any questions.

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