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Alabama Debt Consolidation: Residents Seeking Relief

The providers of CareOne Debt Relief Services® know what it’s like to struggle with debt. Our founder, Bernie Dancel, has been there, and many of us have, too. We got out, and we can help you, too. We know that every situation is unique and we can appreciate the different debt relief issues and economic factors residents of Alabama face.

Why Do Alabama Residents Seek Debt Relief?

We hear from our customers about how debt levels have been on the rise all over the country, including Alabama. There are some alarming trends going on in Alabama, for example, the state’s poverty rate, at 16.97%1, is well above the national average, which is currently above 12.3%. Additionally salaries and wages for working Alabamians are lower than the national average. According to the Census Bureau, median income from 2013 to 2017 was $46472 in Alabama1. This is much less than the national median of $57,652.4

Residents who earn less money have fewer funds left after paying for day-to-day living expenses to save for financial emergencies. If a job loss or unexpected injury or illness occurs, consumers are often forced to rely on credit cards and loans to make ends meet.

 Younger residents seem to have it especially bad. Alabama has the 8th highest level of student loans in the country. Fifty percent of graduating seniors in 2017 had an average balance of $31,8992, according to the Institute for College Access and Success.

How to Find Debt Relief in Alabama

Whether you’re a resident of Alabama trying to stay on the right financial track, or are looking for debt consolidation help; CareOne providers offer multiple debt relief programs to help you achieve financial freedom. Two examples are: Debt Management Plans (DMPs) and Debt Settlement Plans (DSPs).* DMPs allow you to combine your unsecured debt into a single monthly payment that fits within your budget. It may also allow you to lower your interest rates, which can help you get out of debt faster. With a DSP, you are able to make a deposit into an escrow account each month, which is then used to pay your creditors once a settlement is negotiated.

At CareOne we understand how debt can hinder you from reaching your goals. Many of us have been in your shoes. Our experience getting out of debt motivates us to provide our customers with the best service and support possible. Call one of our Certified Personal Finance Counselors® today to see if debt consolidation is right for you. We’ll review your unique situation, walk you through all your options and help you choose a customized debt relief action plan.


For further information on debt in other Southern states see West Virginia, North Carolina, South Carolina, Georgia, Florida, Kentucky, Tennessee and Mississippi.

*Not all services are available in all states.

1 Census Bureau, Alabama Quick Facts https://www.census.gov/quickfacts/fact/table/al/PST045218
2 The Institute for College Access & Success https://ticas.org/content/pub/student-debt-and-class-2017
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