Will Debt Consolidation Help?

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Welcome to CareOneSM

CareOne Credit CounselingSM services lead the industry in helping people get out of debt the smart way.

We're Here to Help

If you're feeling overwhelmed, you're not alone. We've helped over 4.5 million people and we're here to help you.


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CareOne's Debt Diva!

She knows all about living on a limited income, and she's ready to share her hard-won insights... read more

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What Others Are Saying
"I've been with CareOne a year now and have been able to open up a savings account!"

Renee G., Sumner, IL
"Since starting with CareOne, I set a limit on my spending each month by putting the money in an envelope for each type of expense. Thanks for helping me get back on track."

Stacey F., Wausau, WI
"I have now made a budget that I stick to. I have also started a 401(k) through work."

Kimberly M., Lincoln, NE
"I've learned to keep my expenses low and keep track of them. It's not how much money I earn, it's how much I can keep!"

Dennis M., Kearney, NE
"I came to CareOne to make a serious change. CareOne has allowed me to consolidate my debt into one easy payment. Not only does this save me about $300 a month, it eases my mind to know that all my bills will be paid the same day every month...I know I am taking steps in the right direction!"

Michele K., North Ridgeville, OH
"I'm too ashamed to discuss my debt with my family or friends. Sometimes my financial situation consumes my thoughts. Being with CareOne has helped a lot. I've worked on a budget & soon I'll be in a position to increase my monthly payment slightly. I'm counting down the time until I'm debt free."

Community member Lin1
"It sure gives me hope finding people doing the same stupid credit card dance that I try to do and get out of the trouble that comes with it. You make me feel like I’m making the right choice in asking for someone to help."

Phil K., Sterling, VA
"CareOne has helped me consolidate my debt into a monthly payment I can afford. Best of all, the phone calls from creditors have stopped. I've gotten the results I've wanted."

Frank B., Newberry, FL
"With the help of CareOne, we've been able to keep more money each month by paying less in interest to our creditors. The debt we have drops each month!"

Marquita B., Dayton, OH
"One of the biggest benefits about being on a CareOne program is having my credit card interest rates lowered. I’m also glad I no longer have to worry about getting all my bills paid on time. They handle everything for me!"

Roland H., Medina, OH
"I don't know what I would have done without this program. It has been a tremendous help... my debt is almost completely gone!"

Tracey M., Detroit, MI
"We consider the CareOne coaches as our partners helping us with our situation. We work hard and it is nice to see that someone will give us a break when we need it."

Brandon A., Omaha, NE
"I remember the feelings that I had when I first started and I am now halfway finished with my program and it has been the best choice that I could have made for me and my family. I had creditors calling me before coming to CareOne and I have not heard from them since except to congratulate me on taking charge of my finances."

Community member SBKB
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CareOne Blogs

Your Year To Shine

Published Tuesday, January 06, 2009 10:23:00 AM by JodiM

Stop smoking. Start exercising. Read more. Complain less. Every year, millions of people resolve to kick their bad habits to the curb. Some succeed, while others are back to... read more

The Holidays would be a Miss Without Beauty Bliss

Published Tuesday, December 23, 2008 8:47:00 AM by DebtDiva

Yes. I am a girly girl, and after the holiday rush there is nothing I love more than to kick back, put my feet up and be pampered! That’s why I highly recommend a beauty gift... read more

All About Debt Consolidation Options

What are my choices?

Unlike other providers, we are able to provide you with multiple debt consolidation options to help you become debt-free. With CareOne providers, you’ll be able to consider both a debt management plan and settlement. We'll provide you with a recommended solution based on your situation and you won’t need to worry that you are being forced into a solution that doesn’t work for you.

What is a Debt Management Plan (DMP)?

A DMP offers significant interest and time savings and provides you with a plan to repay your debts in five years or less. You’ll be able to consolidate all of your unsecured monthly payments into one, easy payment. The DMP is not a debt consolidation loan where the equity in your home is used to pay down your debt.

What is a Settlement Service?

A Settlement Service is a negotiated agreement with your creditors to pay back a portion of your unsecured debt. While settlement can offer monthly payments up to 70% less than what you’re paying today, it can have a negative impact on your credit. We're able to connect you with a national law firm providing this legal service.

Choosing a Debt Consolidation Provider

CareOne providers are proud to have helped over 4.5 million people tackle their debt. As you choose a provider, be sure to check their reputation, such as their rating with the Better Business Bureau (BBB). Beware of providers that are less than reputable – their high fees and unethical practices can you leave you in a worse financial condition than when you started.

Top Rated Debt Management Articles

Budget Planning

Learn essential financial planning skills to take control of your debt and solidify your future.

Manage Your Debt

Already in debt? Learn how to pay less and get out of debt more quickly. You have options when it comes to credit counseling, learn which one is right for you!

Consumer Protection Laws

Familiar with your rights? You are entitled to fair debt collection practices even if you have fallen behind on payments.

The CareOne Difference

Discover how our solutions for debt can:

  • Help you pay significantly less
  • Help you pay off your debt faster
  • Let you make one simple payment per month
  • Help you build strong money management skills

Who qualifies for debt consolidation?

You can save money and get out of debt faster if you meet these simple requirements:

  • $2,500 or more in unsecured debt
  • Two or more accounts
  • A source of income

The CareOne Service

Providers that offer CareOne credit counseling services are industry leaders committed to offering the best debt management programs available. They have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education.

Exciting, New and All for You

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Latest Debt Relief News

Read up on the latest news about debt relief and financial wellness.

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Debt Consolidation Guide

Is debt consolidation right for you? Get quick answers.

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Reward Yourself

Making regular payments could put money in your pocket — up to $5,000!

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Personalized Debt Consolidation

CareOne services provide individualized financial counseling and education to help you conquer your debt.

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