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As you can imagine, the most frequently asked question by our Debt Settlement customers is, "When are you going to settle my debts?" The answer to this question varies by creditor, and by client. At some point, the amount the creditor is willing to accept as a settlement will be equal or greater...

One of the most overlooked components of creating a budget is making sure it is realistic. Download a Free Budget Planning Guide Don't bite off more than you can chew. Reducing expenses by 50% is unrealistic, whereas reducing expenses by five or ten percent is much more realistic, and attainable. Step...

Being in debt is a pretty straightforward experience. You receive bills; stress out when you look at your bank account. There is really no 'maybe' about being in debt. The funny thing is, getting ourselves into debt sometimes feels like a mystery. We all know what we should or should not be doing...

People do it all the time, including me. Dumb money moves occur on a daily basis. Some people learn from them, at their expense or at others’, and some people don’t learn from them at all and continually repeat the errors. The majority of these tend to occur when someone starts their first...

I came across an article in MSN Money that caught my eye. The article was a compilation of different purchases people had made that they later realized weren't good decisions. I think we all have made purchases and then woke up the next day asking, "Why the heck did I buy that?" Some of...

The story is often the same, "I just needed to get some cash to cover me until my next pay day." All you had to do was simply hand over a postdated check for the amount you wanted to borrow, plus whatever interest and fees they required. The lender gave you the cash and you were on your way...

One of the first things I learned about sales was that if a customer's perceived value of an item exceeds the price by one cent, they will buy the item. When I first graduated from college, I started working for a used car dealership. Sounds odd, doesn't it? Why would I spend a significant amount...

Many of our Debt Settlement clients will notice an increase in collection activity from their creditors shortly after their enrollment. As we have discussed in previous blogs, this is a normal part of any settlement plan, and is part of the settlement process. Debt Settlement clients are unable to afford...

For many of us the "long term" means retirement. These are supposed to be the golden years where people enjoy traveling, spending time with their families, and leaving work behind. Unfortunately for many people, this is not the case. People are working longer now-- more than they ever have...

There are many things to consider when making the switch from a Debt Management Plan to a Debt Settlement Plan, as they are two completely different approaches to paying off your debt. A Debt Management Plan is a structured repayment program which involves making a payment to a Credit Counseling Agency...

Depending on what sources you rely on for your news, the recession is either getting better, getting worse, or staying the same. Isn't it amazing how nobody can agree? One thing they do agree on is the high unemployment rate. When someone loses their job they may be able to collect unemployment,...

Lately there has been a lot of negative press centered around the debt settlement industry. It seems like every time I open up a newspaper or check out CNN.com some expert is writing about how terrible the industry is, and how every debt settlement company is taking advantage of innocent consumers who...

Motivation is a funny thing. Just this past weekend, I woke up early to go to the gym on Sunday morning, and I really didn't feel like going. It was a dreary, rainy day and I could have just as easily stayed home. I got so far as to getting in my Jeep and driving to the gym. On the way, I saw a man...

This is a very popular question and one which many of us have asked ourselves repeatedly. Paying off debt is usually a goal we set every year, and one which many of us fail to meet. There are a variety of methods available to help pay off debt. Some methods include better budgeting or accessing savings...

Many Debt Settlement customers have been asking about success fee pricing and how it applies to their Plan. Success fee pricing is simply paying fees only after a debt has been successfully settled. CareOne chose to use this fee structure for our Debt Settlement Plan to help differentiate ourselves from...

In Debt Settlement: Months 1-6 we discussed what to expect during the first six months of your enrollment in a Debt Settlement plan . During this time plan participants may begin to receive collection calls from creditors which occurs when the account becomes delinquent. As we discussed, this is normal...

As I discussed in a previous blog , Debt Settlement may be the right choice for people who cannot afford a traditional DMP , do not qualify for bankruptcy , or simply do not want to file for bankruptcy. Debt Settlement is an attempt to negotiate with creditors to accept a lesser amount than what is truly...

Deciding to enroll in a CareOne Debt Management Plan (DMP) can be a big step. Many of us have lived with our debt problems for years, allowing it to become the status quo. In some cases we barely manage the debt; making only the minimum payment, watching the balances stay the same, or worse, increase...

Before you know it the malls will be decked out in Christmas decorations and the Salvation Army Santas will be clanging their bell by every entrance and exit. The grocery store I use already has their decorations up and we have not yet had Thanksgiving! Seems a bit hasty to me but the stores are hurting...

If you contact CareOne Debt Relief Services® you may know you need help; but may not know what kind of help you need. In many instances you have either fallen behind on your credit card payments, or feel you are about to fall behind. At CareOne Debt Relief Services® our primary goal is to help...