How will a debt management program help me? What information do I need to enroll? How do I continue enrollment? Do I have to include all of my credit cards? How much will the debt management program cost me? Can I talk to someone before I enroll? When will you start paying my bills? When is my payment due? How long will it take to finish the program? How do I make my payments? Do I need to continue sending payments to my creditors after I have signed up? How will my creditors know I have joined a debt management program? Who is CareOne?