CareOne Credit Counseling Reviews - Information About CareOne Credit Counseling

CareOne Credit Counseling Reviews -
Facts, Figures And Information

For recommendations for the best debt companies see the following pages:

The Best Debt Management Companies

The Best Debt Settlement Companies

With any review of a debt help company, a good place to start is by looking at their track record. Whatever a company says they are going to do for you, and whatever promises they make, it is only the hard facts of what they have already achieved that really mean anything. I have to say that CareOne Credit Counseling score better than most in this respect.

Having been in the debt help business for many years, their success has led to them now being one of the largest players in the industry. The company have helped a rather impressive 4.5 million people with their debt problems at the time of writing. In 2008 alone, their debt payment plans paid down $705 million of debt. It would therefore be difficult to argue that they are not effective, or that what they do does not work.

A Range Of Options

Whereas most debt companies will either offer debt management plans or debt settlement, CareOne Credit Counseling are fairly unusual in offering both. When you apply to the company, the first thing they do is thoroughly investigate your financial situation in order to make a judgement about which kind of debt solution, if any, is going to offer you the best route to permanent debt freedom. The fact that they offer several options may not seem so important, but in fact it can be. A company that only specialises in, for example, debt consolidation, may be tempted to push you into that solution simply because that is all they offer, even though you may be better off with debt settlement.

As with all debt companies, CareOne Credit Counseling can only help people with their unsecured debts, but they are slightly more accessible than some organisations, only requiring a minimum debt of $2,500 in order to qualify for help. The only other requirements are that your debts are to at least two creditors and that you have a source of income.

Additional Benefits

The size and experience of CareOne Credit Counseling enables them to bring additional benefits to the table, including a range of resources to help you develop your money management skills. These include an online educational program that you work through at your own pace, a free budget planning tool and free calculators to work out and compare all sorts of things, including interest rates on loans and mortgages, the cost of consolidating your debts, credit card rates and charges, etc.

There are other benefits that come with the scale of a company like CareOne Credit Counseling, one of the most important of which is the benefit of being represented by a company that is well known to your creditors. They have existing relationships with over 220,000 creditors already, and the fact that they are negotiating with them on behalf of lots of other customers at the same time means they can use that leverage to get a better deal than any small company or individual possibly could.

Ethos And Approach

One unusual and reassuring aspect of CareOne Credit Counseling is that they appear to have a clear commitment to genuinely wanting to help people, which goes beyond mere rhetoric and is embodied in their corporate action. The parent company of the business is called Ascend One Corporation and is dedicated to making life better for people in the wider community. They support programs and organisations that promote education and strengthen families through financial donations, in kind help and volunteer work.

One example of this is a ten year commitment to create a $5 million endowment to create grants for scholarships and educational programs to improve money management skills amount students from grade school to college.

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CareOne Credit Counseling

Review, Facts and Figures

CareOne Credit Counseling Reviews -Facts, Figures And Information