What is a Debt Settlement Service?

A Debt Settlement Service is a negotiated agreement with your creditors to pay back a portion of your unsecured debt. The debt settlement can offer monthly payments up to 70% less than what you’re paying today, and in most states it is handled by a reputable national law firm.

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.

Who qualifies for debt consolidation?

You can save money and get out of debt faster if you meet these simple requirements:

• $2,500 or more in unsecured debt
• Two or more accounts
• A source of income

What are my choices?

Unlike other providers, we are able to provide you with multiple debt consolidation options to help you become debt-free. With CareOne providers, you’ll be able to consider both a debt management plan and settlement. We'll provide you with a recommended 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.

Choosing a Debt Consolidation Provider

CareOne providers are proud to have helped over 4.5 million people tackle their debt. We are industry leaders committed to offering the best debt management programs available and are committed to helping you get your finances back on track through counseling and education. 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 leave you in a worse financial condition than when you started.

  
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