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Why CareOne?

  • Reduced Interest Rates
  • Up to 57% Lower Monthly Payments
  • Waived late fees
  • Multiple debt consolidation options
  • Established relationships with over 263,000 creditors
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Frequently Asked Questions

1.Who needs debt consolidation?

Debt consolidation can help anyone struggling with debt who has:

  • Unsecured debt, such as credit cards, personal loans, medical bills
  • Collection accounts and some payday loans totaling $3,500 or more
  • Two or more unsecured credit accounts with balances
  • An income source (salary, alimony, unemployment, etc.)

2.Is it easy to consolidate debt without a loan?

Debt consolidation is not a quick fix. Instead, it’s a long-term solution that sets you up for continued success. To thrive under these plans, you need to be honest with yourself about how much you can afford to pay each month. You also have to do the hard work and follow the advice of your debt counselor to achieve your goals.

3.Which debt consolidation plan is the best?

Our Certified Debt Specialist will take the time to get to know you before recommending the best plan for you. There are many options such as a debt consolidation loan, Debt Management Plan or a Debt Settlement Plan. We’ll work together to determine what’s best based on your personal situation.

4.Why work with CareOne providers?

Perhaps no one knows better than our founder, Bernie Dancel, what it’s like to feel helpless and in debt. As a young man in his twenties, Bernie faced financial despair. And, because companies like CareOne didn’t exist to provide a better option, he was forced to file for bankruptcy.  The next several years were difficult, and it took Bernie a lot of time and hard work to pull through and regain control of his finances. Today, Bernie is a successful business leader who motivates people like you to get out of debt.

So, who would you rather get advice from: someone like Bernie and the CareOne team he created, or someone who hasn’t been in your shoes and doesn’t understand what being in debt feels like?

5.We’ve been in your shoes

Many of our employees understand exactly what you need to achieve debt freedom because many of us have also faced personal debt. In other words, we empathize with your situation because we’ve been there. And, we know how to help you get out of debt because many of us have done it ourselves.

If you’re looking for a company that offers the widest range of debt relief options, start the process today with a CareOne provider. Beyond personal experiences, our providers have been working with your creditors for many years. This means CareOne providers have had time to develop relationships with more than 263,000 creditors, which means you get a customized program that fits your needs—one that you can afford and one that satisfies your creditors. Here are some more fun facts about CareOne:

  • The providers of CareOne Debt Relief Services have already helped over 5 million people. We can help you, too!
  • CareOne providers help consumers in all 50 states and territories.
  • We offer a 6-month 100% money back guarantee on the services, support and benefits you receive. No questions asked. That’s how confident we are in our ability to help!

6.Get debt help

Bernie wishes a place like CareOne existed when he faced financial difficulties in his youth. He knows he would have made different decisions and received the help he needed earlier in his struggle. Take this chance to get help now. We’re reaching out our hands to help pull you out of debt. All you have to do is accept our offer and remember you’re not alone with CareOne!

7.Realistic Debt Relief Plans to Meet YOUR INDIVIDUAL NEEDS

If you lack the support or the right resources to attain financial freedom, you may feel trapped under your debt. But partner with a CareOne provider, and we’ll set you on a path to success by arming you with a customized plan that suits your individual needs.

8.Debt Management PLAN (DMP)

People who struggle to make monthly credit card payments might need someone to advocate on their behalf. That’s where a Debt Management Plan (DMP) can help. In this case, CareOne providers will work tirelessly to secure more favorable terms from your creditors, such as stopped late fees,  lower interest rates and stopped collection calls. The result? Your unsecured debt is paid back in full with payments you can manage, and possibly even reduced interest rates and stopped late fees saving you thousands.

9.Debt Settlement PLAN (DSP)

If you simply cannot afford your regular monthly bill payments, you may want to consider a Debt Settlement Plan (DSP), where you make monthly deposits of an agreed-upon amount into an escrow account. As the funds in your escrow account build, CareOne Debt Relief providers negotiate with your creditors on your behalf to lower your debt, interest and fees. The result? You’ll pay back a portion of your unsecured debt. However, a DSP can negatively impact your credit score temporarily so assess all options with a qualified representative first.

10.Start With Us, and We’ll Stay With You

Each of the aforementioned options has features and benefits that appeal to certain consumers based on their individual financial needs – needs that may be different from your own. That’s why it’s important to talk to a professional. Know, too, that CareOne providers offer comprehensive debt counseling and extensive online resources and will continue to support you long after we’ve helped you achieve your financial goals. Start the conversation today, and let us help you make the best choice to work your way out of debt.