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We are talking to CareOne employees from across the organization about their personal experiences with debt. This week we are speaking with Andrew Jensen, one of our Solutions Coaches. How have you been personally affected by debt? I had been so used to being in credit card debt ; I just accepted it...

We are talking to CareOne employees from across the organization about their personal experiences with debt. This week we are talking with Jan Cammiso, one of our Outbound Coaches. How have you been personally affected by debt? I was just on top of the world had a great position with all debt being paid...

We are talking to CareOne employees from across the organization about their personal experiences with debt. This week we are talking with Christine Hartge, a Business Analyst for our Project Management Team. How have you been personally affected by debt? We have struggled for sure and still do from...

We are talking to CareOne employees from across the organization about their personal experiences with debt. How have you been personally affected by debt? From 2007-2009 we were really in a jam with the loss of more than $105,000 of lost income. Unemployment aided to the beginning of my debt issues...

How have you been personally affected by debt? I had a lot of debt problems after college. I built up credit card debt and then fell behind on payments. I did the worst thing, which was to ignore the problem. How did you feel about yourself during this period? I was always worried about answering the...

Have you been personally affected by debt? Yes, I have been personally affected by debt and I am still in the process of reaching my goals. How did you feel about yourself during this period? OMG! I found myself in a deep depression due to my credit card debt. It seemed I'd experienced the entire gamut...

You may know him from our new commercials, his video on our home page, walking through the halls or grabbing lunch in the cafeteria, but today we get to know Bernie Dancel, founder of CareOne Debt Relief Services, a little better. I thought it would be fun to get inside of Bernie's head and learn more...

How have you been personally affected by debt? I went through a divorce about 12 years ago, while going through the divorce I found that we were a lot further in debt than I was aware of and my ex-wife also declared bankruptcy during the divorce. This left me with about $40,000 in debt. How did you feel...

How have you been personally affected by debt? When I got out of college, I was in a lot of credit card debt. I couldn't get student loans, so I paid Visa with Mastercard. I had also bought a house, but had trouble with rent from roommates, so I got behind on my mortgage and they actually sent an appraiser...

How have you been personally affected by debt? I can remember the most difficult financial transition of my life. I was 27 years old and had just gone through a very difficult and scary divorce. When I was married, my husband didn't allow me to work. So.. Here I was, divorced, no job, and the bills of...

We continue our CareOne Debt Relief Services series; " We've been in your shoes ," featuring employee debt stories. How have you been personally affected by debt? My family was torn apart by debt and poor communication. My biggest fear was that I would fall into the same trap my parents did. They got...

I have never been rich but, I have been in debt several times throughout my thirty four years. Divorced, single mother, two major surgeries, and most recently a child diagnosed with special needs, I've known times of financial distress. And guess what...I've made it through. I'll admit I've made some...

How have you been personally affected by debt? Coming out of college, I had over $11K in debt and started falling behind because I could not afford normal living expenses or my credit card payments. I was pretty lucky that I got a job in the debt relief industry. How did you feel about yourself during...

How have you been personally affected by debt? I was affected by excessive amounts of debt when I attempted to start my own business. How did you feel about yourself during this period? It was mentally exhausting to try and juggle the financial obligations of my debt as well and find a way to pay for...

How have you been personally affected by debt? I started out fresh out of high school with my first credit card. I thought the world was my oyster. Of course when you get one credit card the rest just seem to call your name. Before I knew it I was about $20,000 in debt at 20 years old with my first born...

Once I realized I was in over my head and had gone through various stages of the emotional process, (See my first post, Yes, I have been in your shoes... to read about that process) I knew I had some choices to make. The first thing I did (after I wiped my tears) was to get organized. Organization: My...

How have you been personally affected by debt? I still remember applying for my first few credit cards. I was so excited to be able to go out and buy things that I wanted. I was 19 and I had no idea how credit worked or how I would be affected in the years to come. I enjoyed my first few shopping trips...

How have you been personally affected by debt? I became overwhelmed with credit card debt between the ages of 18 and 25. As a young single mother I used credit cards for my emergency fund as well as my "make ends meet" fund. This way of living quickly became unmanageable. Before I knew it my debt to...

How have you been personally affected by debt? About 12 years ago I had to file Bankruptcy. I was in the military, stationed in one place while my wife, I was married at that time, was living in another. Trying to maintain two households put a strain on us financially. We turned to our credit cards to...

How have you been personally affected by debt? I remember getting my first store credit card in college with a credit limit of $100. I was so excited until I ended up in collections. Yes, for only $100. I had no concept of what credit was or how it could impact my life. After acquiring more debt, I ended...