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Member Log-In New User? 5 million people helped and counting > Call 1-888-888-CARE or Get Started Now Plans & Services Debt Relief Plans Ongoing Support Other Services Debt Consolidation Guide Community Forums Blogs Groups Tools & Tips How to Get out of Debt Debt Relief Videos Debt Relief Topics Newsletters Quizzes & Polls Tip Jar Debt Relief News Money Management Tools Article Library About Us Who We Are How We Can Help Media Coverage Success Stories Giving Back Questions? Help Center Contact Us My CareOne My Program My Community Continue Saved Enrollment Subscription Center -- If you're in debt, we understand. Because many of us were there ourselves—including our founder. We got out, and so can you. CareOne Services, Inc. -- Start your debt consolidation process. Find out how much you can save in minutes. Get a free savings estimate right now. No commitment . Fill out the form to find out more. First Name: E-mail Address: Zip Code: Last Name: Phone Number: - - Total Unsecured Debt : $1500 - $4999 $5000 - $9999 $10000 - $14999 $15000 - $19999 $20000 - $24999 $25000 - $29999 $30000 - $39999 $40000+ Yes, please send me the free CareOne newsletter, Debt Guide and special offers from CareOne. Privacy Policy . Already Started? Continue Saved Enrollment A debt consolidation program with CareOne is a great alternative to a debt consolidation loan , even if you have bad credit. Let's Get You Out of Debt. To Speak to Someone Right Away, Call 1-866-735-7560 & Select Option 2 ✔ Learn about your debt relief options ✔ Talk to a debt specialist in less than 1 minute ✔ Completely Free Analysis Our founder, Bernie Dancel , has been where you are. He was in debt and got a lot of bad advice which motivated him to create CareOne Services, Inc. Watch his short story here. From Our Blogs Prepping for the Holidays on a Debt Management Plan Published Friday, December 12, 2014 8:00:00 AM by tiquie I started buying gifts throughout the year at sales and even garage sales. I've already got the majority of my Christmas shopping for 2013 finished. The items are hid away in the... read more > Cash in on Old Cell Phones Published Friday, November 21, 2014 8:00:00 AM by tiquie I was very happy with the money I received for my old phones and I was shocked!  If you are in need of extra cash fast and have some old cellphones lying around, put them up... read more > Customer Video Testimonial Travis Pizel, Current CareOne Customer Travis, a CareOne Debt Management Plan customer and active community blogger talks about what CareOne has meant to him. - Compensated CareOne Blogger All About Your Debt Consolidation Options What are my choices? The providers of CareOne Debt Relief Services know what you're going through and understand how important it is to be able to select a debt relief solution that is right for you. Because of that, our mission is to help you get back on track by offering multiple debt consolidation and debt reduction options. Our Certified Credit Counselors will work with you to create a personalized solution based on your situation, and will carefully explain your options, including a Debt Management Plan and settlement. Because many of us have battled debt ourselves, and some have even completed a CareOne debt relief plan, you never have to worry about being forced into a solution that doesn't work for you. Please check out our Guide to Choosing a Debt Relief Plan to learn even more about your options. What is a Debt Management Plan (DMP)? A DMP can offer significant interest and time savings, and can provide you with a plan to repay your debts in five years or less. With a DMP, we'll help you consolidate your unsecured debt into one monthly payment that you can afford. A CareOne DMP is not a debt consolidation loan, where the equity in your home is used to pay down your debt, nor is it bankruptcy. What is Debt Settlement? Debt Settlement is a negotiation, by a settlement service provider or lawyer, with your creditors to pay back a portion of your unsecured debt. With settlement, you do not make monthly payments to your creditors. Instead, you make monthly deposits into a debt settlement account in an amount that you can afford. When settlements are reached with your creditors, settlement payments are paid from the debt settlement account. While settlement can be a better alternative than bankruptcy, it can have a negative impact on your credit. Why should I choose a CareOne provider to answer my questions about debt consolidation? CareOne Debt Relief Services is the nation's largest brand of debt relief solutions , and all of our providers are Better Business Bureau (BBB) accredited organizations. We are proud to have helped over 5 million people, just like you, find a better way out of debt. We know what it's like to be in your shoes, and will work with you to find a solution that's right for you. Who makes up the 5 million-plus people that CareOne providers have helped? CareOne providers have helped over 5 million people all over the country. Assisting this many people has provided us with insight into the unique economic factors facing residents living in different states. For instance, many residents are looking for debt consolidation in Pennsylvania and in Texas because they are carrying significant amounts of student loan debt. And, the majority of residents inquiring about debt consolidation in Tennessee are women. Many people may be contacting CareOne in North Carolina because, since 2011, the unemployment rate has been well above the national average. While in California , debt consolidation help may be needed because of the high foreclosure rate. People may be contacting the providers of CareOne Debt Relief Services in Arizona for debt relief, since the amount of debt owed in Arizona was higher than the national average. We've compiled meaningful statistics like these for all 50 states, as well as the most populous US cities. 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 more about effective debt help strategies. 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 CareOne providers offer clear benefits and honest advice, so you can: Pay significantly less Pay off your debt faster Make one affordable monthly payment Build strong money management skills You can save money and get out of debt with debt consolidation. It's not a loan. In order to qualify, you must meet these simple requirements: $2,500 or more in unsecured debt Two or more accounts A source of income The CareOne Service Providers of CareOne Debt Relief Services are industry leaders committed to offering the best debt management programs available. We have met the highest quality standards and are committed to helping you get your finances back on track through counseling and education. Many of us have been where you are today, and understand the emotional burden that debt can place on a person. Please contact us so that together, we can find a better way out of debt. We offer a simple 100% Satisfaction Guarantee . We're so confident that we can help you achieve your goal of becoming debt-free in a reasonable time, that we back it up with a 6-month 100% money back guarantee on the services, support, and benefits you receive. Learn More Reduce your debts, payments and interest rates Money back guarantee One low monthly payment Access to Certified Credit Counselors Resources, education, tips & tools A personalized solution As Featured In Visit My CareOne to personalize your home page with gadgets that let you connect with others, set goals, get expert advice, and more! Enrolled in a plan? Track your progress Follo...