When you're faced with debt, it can be hard to see your way out and make sense of your options. CareOne providers offer a variety of debt relief solutions, all of which can help you become debt free.

Debt Management Plan (DMP)

If you struggle to keep up with your monthly credit card payments, our DMP may be right for you. The CareOne DMP allows you to consolidate all of your unsecured debt into a single monthly payment and when you complete our program, you will have fully paid your debts off! Our DMP has 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 our program.
• Reduce your stress. Our customers are most relieved when the stress of collection calls disappear.
• 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. We are committed to helping our customers become savvy with managing their money. Our programs not only help you get out of debt, but our tools, tips and educational resources will help you stay out of debt.


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Click below, and get started on the road to conquering your debt.

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Settlement Service

A settlement service is designed for people who cannot afford the DMP’s monthly payment. With this legal service, you’ll be able to pay back a portion of your debt to your creditors and it helps avoid bankruptcy. During your free assessment, we’ll work together to determine which solution works best for you and if settlement is recommended, we will refer you to a national law firm who specializes in debt settlement. The law firm will work to negotiate settlements with your creditors on your behalf that can allow you to repay your debt at an amount you can afford over a 3-5 year period. The settlement service is a legal service that gives you the legal backing and peace of mind.

While you are able to explore the Settlement Service option with our online enrollment process, you will need to complete your enrollment with a coach over the phone.

Get your online assessment started to see if a Settlement Service makes sense for you or call 1-888-888-CARE.

Bankruptcy

If your financial situation leaves you unable to pay back even a portion of your debt, you may want to explore whether a bankruptcy makes sense for you. We will review your situation and if bankruptcy appears to be appropriate, we will connect you with a national law firm to help walk you through your bankruptcy options.

For a free, no obligation analysis of your financial situation, call 1-888-888-CARE and talk to a Financial Fitness coach.