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Debt Consolidation

Is Debt Consolidation Right For You?

Debt consolidation (also known as bill consolidation) does not require a loan. Working with a debt consolidation company means that a representative will contact your creditors and negotiate on your behalf to find a way for you to pay back your debts, possibly with reduced interest rates and no late fees. Your unsecured debts will be paid back in full with payments you can manage in our debt management program. Another option for debt consolidation is our debt settlement program.

Debt Consolidation: THE CAREONE WAY

Making ends meet can be tough enough in today’s economy. But it’s even harder when you face mounting debt from outstanding credit card and other loan balances.

But if you make only minimum payments, pay late, or skip paying all together, your balances and interest rates will keep rising, and you’ll feel trapped in a never-ending cycle of debt. Your credit scores could be impacted, and you may not be able to access credit when you really need it—like when it comes time to buy a house or apply for a student loan.

Does this sound familiar? Are you living paycheck to paycheck, struggling to pay down your debt? If you are, and if you’re ready for help, turn to the providers of CareOne Debt Relief Services®. We don’t offer debt consolidation loans because more debt isn’t what you need. Instead, we offer various debt consolidation programs that may be able to help you:

  • Pay creditors less each month
  • Repay debt as quickly as possible
  • Save on interest
  • Avoid additional personal loans
  • Consolidate credit cards
  • Avoid bankruptcy
  • Achieve success
  • Build skills to gain and maintain financial freedom

Whether you have good credit, fair credit, poor credit, or bad credit, you still have hope. Contact CareOne Credit to get in touch with a provider that can help you.

Who needs debt consolidation?

Credit consolidation can help anyone struggling with debt who has:

  • Unsecured debt, like credit cards, personal loans, medical bills, and some payday loans totaling $1,500 or more
  • Two or more unsecured credit accounts with balances
  • An income source (salary, alimony, unemployment, etc.)

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.

Which debt consolidation plan is the best?

Certified Personal Finance Counselors® will take the time to get to know you before recommending the best plan for you. For example, you might only need counseling to understand how to stick to a budget. Alternatively, the counselor might suggest a Debt Management Plan or a Debt Settlement Plan, working together to determine what’s best based on your personal situation.

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?

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 our personal experiences, we’ve been in business as a debt relief company for a long time. This means we’ve had time to develop relationships with more than 263,000 creditors, which puts us in a great position to negotiate the perfect plan for you—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!
  • We have maintained our Better Business Bureau rating since 2004.
  • 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!

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!

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

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 or even lower interest rates. The result? Your unsecured debts paid back in full with payments you can manage, and possibly even reduced interest rates and stopped late fees.

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, we negotiate with your creditors on your behalf, asking them to accept a reduced overall payment from you. The result? You’ll pay back a portion of your unsecured debt. However, a DSP can negatively impact your credit, so assess all options with a qualified representative first.

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.

See what you can save.

No loans, no bankruptcy. Get your FREE, personalized Debt Plan in minutes.

What People Are Saying...

“I looked into a number of debt consolidation companies and none of them were going to pay my creditors until I accumulated enough funds to settle the debt. CareOne is paying my creditors each month. I didn’t get any phone calls or threats of collections; in fact, two of my creditors actually sent me letters to thank me for my decision to work with CareOne and uphold my financial responsibility. This program is such a relief.”

– Tina D., Virginia, MN

“The nicest folks ever. I have talked with several debt consolidation companies and just did not want to do business with any of them simply because of the way I was talked to by them. The first call I received from the CareOne credit counselor was nice and that is why I went with you people to help me with my situation.”

– Carolyn, M., Ahoskie, NC

“Working with CareOne has been an amazing experience. I can see my payments decreasing and being able to consolidate payments into one low monthly payment has been very beneficial and allowed me to free up money for my savings.”

– Chandra B., Tallahassee, FL

“I finished my program today and I am so excited! Before I started the program I thought I would never get out of debt and didn’t want to start robbing Peter to pay Paul. I have learned so much about how credit cards can be your friends as long as you use them wisley. I am greatful for CareOne and all of the agents.”

– B. Johnson, Inglewood, CA

See what you can save.

No loans, no bankruptcy. Get your FREE, personalized Debt Plan in minutes.

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