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CareOne Providers

CareOne Providers is a leading debt management website. Their mission and their means to achieving that mission are upfront and efficient. CareOne Providers believe that the two options available to clients in debt are debt management and if that fails, then debt settlement. There website is www.debtconsolidationcare.com

For Debt Management CareOne Providers charge their clients a $50.00 fee upfront and another $50.00 as a monthly fee. This may vary from state to state but is the general rule. CareOne Providers are unique in this system because they refuse to accept the early commission that creditors pay companies. Creditors generally pay the debt consolidation companies a commission for settling their debts. CareOne Providers show they really care by declining this amount on the pretext that they should be working solely and whole heartedly on the client's behalf and not have a hidden motive behind the service.

CareOne Providers negotiate with the creditors to get the lowest interest rates and reduced rates on penalties and late fees, so that majority of the client's monthly payments go towards reducing the outstanding debt.

If all avenues lead towards Debt settlement, then CareOne Providers devise a plan for that. CareOne exhibits another moral high, by moving away from practices that are common and standard in the debt settlement industry. For settlement purposes, companies demand an upfront fee, which is about 15% of the total debt collected over a period of 1-2 years, interestingly, without settlement having actually occurred. CareOne Providers do charge an upfront fee between 100 and 400 dollars, depending on the debt, along with a monthly fee of 50 dollars. These payments are only collected when they are earned and not before.

CareOne Providers does not deny that during the debt settlement process, interests and fees run high, and creditor calls also continue. When the accumulated amount in the account is enough to start paying the negotiated amount, CareOne providers begin the settlement process. The duration of the settlement process is shorter compared to the debt management process because in essence the total debt is not paid.

CareOne Providers have been providing these services since August 2002. Navigating the webpage is easy and all the important information is literally a click away. Of its online services, the access to a client's account is of utmost importance. It allows the client to keep track of the payments being made and thus the rate at which debt is being reduced. Clients also have the facility to change the due date for payment of dues, up to 15 days if so required. The presence of an email and phone number, an online chat facility and an extensive FAQ section add to its customer service functionality.

Since CareOne Providers claim to be real "Providers", they, after consolidating and managing the client's debt, then aim at keeping the client debt free. This can only be achieved via support and monitoring spending habits so that the client is not caught in the same credit trap again. CareOne Providers have programs tailored for this purpose. They have a message board called "Straight Talk" where members discuss problems and issues. it is considered that when people see others going through the same process as them, they tend to feel reassured.

CareOne's free newsletter by the name "On Track" has fabulous tips for budgeting and staying out of debt. Another unique feature "Freedom Pointers" are hints at saving money on regular expenditures and they hold a monthly contest that awards a prize to the client who submits the most ingenious method of saving money.

CareOne Providers have been featured on news channels such as CNBC, FOX and ABC. They have also appeared in noted publications such as TIME, Forbes and Yahoo!

The "Debt-Diva" video clip informs the client about the company in a quick and pleasant manner, circumventing the need to read through text for the same purpose.

CareOne Providers are accredited by the BBB (Better Business Bureau), and been given a rating of A, which is the second highest rating to be given to any company. Along with this, CareOne Providers have been given the Top Ten Reviews Gold Award and a 5.5 star rating by the other credible watchdog StarReviews.com.

For every financial dilemma, a specific service is required and where one company provides that service beyond par, another may not. A client's choice of debt management or settlement company should be based on facts and their own evaluation. A careful study of the pros and cons of every company is a must before enrolment. CareOne Providers emanate a positive vibe. Their ease of service and wide range of features are reassuring. CareOne Providers commitment to offering their client honest and transparent debt relief is refreshing in a cut-throat industry.

For more information on other debt consolidation companys, go to Debt Consolidation.

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