Who Is CareOneSM
CareOneSM providers provide a different approach to helping you get out of debt. Bankruptcy is not one of them!
CareOneSM service providers has achieved great success for it's clients by avoiding the “one size fits all” approach you’ll find with other providers. Instead, CareOne service providers works to provide flexible, effective debt relief options and help consumers select the program that best meets their needs.
Choosing A Bill Consolidation Provider
CareOneSMservice providers are proud to have helped over 4.5 million people tackle their debt. Knowing a providers reputation is key! Be sure to check each bill consolidation provider out carefully, such as their rating with the Better Business Bureau (BBB). Beware of providers that charge high fees or have a reputation of unethical practices that can you leave you in a worse financial condition than when you started. Getting started is easy. Use the easy to fill out bill consolidation form.
Debt Management Plan (DMP)
If you struggle to keep up with your monthly credit card payments, a DMP may be right for you. The CareOneSM DMP allows you to consolidate all of your unsecured debt into a single monthly payment and when you complete the program, you will have fully paid your debts off! DMPs have helped hundreds of thousands through the following benefits:
- Pay less. Better repayment terms offered by most creditors, like lower interest rates and waived late fees, can save you considerably each month.
- Pay off your debt faster. You'll be able to pay off your debt in three to five years rather than the average 25 years* it could take without the program.
- Stop the stress and worry. CareOneSM customers are most relieved when the stress of collection calls stops.
- One, easy payment each month. Your credit cards and other unsecured debts are consolidated into one monthly payment so you don't have to juggle payments.
- Build your money management skills. CareOneSM is committed to helping their customers become savvy with managing their money. CareOneSM programs not only help you get out of debt, but their tools, tips and educational resources will help you stay out future financial trouble.
Settlement Plans
A Settlement Plan is designed for people who cannot afford the DMP’s monthly payment. Settlement providers work to negotiate settlements with your creditors on your behalf with the goal of allowing you to repay a portion of your debt (typically around 50%) over a 3-5 year period and avoid bankruptcy.
While the Settlement Plan offers a much lower monthly payment than the DMP, it also carries with it more severe considerations. With the DMP, your payments are sent to your creditors each month by your CareOneSM service provider. In exchange for your monthly payments, most creditors agree to offer such benefits as lower interest rates and eliminated fees.
With the Settlement Plan, your monthly payments are held in an FDIC insured bank account by your Settlement provider until your creditors agree to accept the settlement offers. It can often take months before your creditors are willing to accept a partial repayment of your debt, and some creditors never accept, and as a result, Settlement Plans can often lead to increased collection activity.
Get started today! Fill out our bill consolidation form.