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. You’ll be able to consider both a debt management plan and settlement. We’ll provide you with a personalized 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.
*The savings are based, in part, on the average of a recent sampling of annual interest rates charged by creditors that participate in our plan and an assumption that only minimum monthly payments are made.
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. You make monthly deposits into a debt settlement account in an amount you can afford. You do not make monthly payments to your creditors. When settlements are reached with creditors, settlement payments are paid from the debt settlement account. Settlement will have a negative impact on your credit.
Choosing a Debt Consolidation Provider

CareOneSM 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.
National Debt Statistics

CareOneSM agencies have helped over 4.5 million people in debt and have compiled some meaningful debt statistics about the people helped. This information is provided for all states and the most populated US cities.