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I applied through the veterinary office. I was rejected right away because I forgot to tell them I had a freeze on all my reports to prevent identify theft. I was worried about my dog. So I went and unfroze my reports, but was unable to apply again because they said I had just applied. There was no way to contact them personally. I called, but since I DID NOT HAVE AN ACCOUNT, they would not take my call. There was no email address to even send an email. My dog is in hock at the vet and I may need to sell my firstborn to get him out. The most important thing with a company is communication. When you stop communication for reasons I mentioned above, you have failed as a communicative company and client based. CAN YOU HEAR ME NOW?
Back in year 2010, I went behind paying the bills real bad after graduating from my university. The collection agents harassed me daily. After searching for debt counseling agencies, I hired CareOne Credit Counseling to help me cleaning up my heavy debts. CareOne's lawyer sent the cease and desist letters to all of my collection agents to stop harassing me. CareOne and I signed the agreement to promise that I would make the monthly payments on time. If I skip one payment, our agreement would be voided. After making several payments, CareOne started negotiating with the collection agencies to slash the owing balances by half. The collection agencies agreed to close the accounts zero and they accepted our settlement money. I walked free. I got a secured credit card. It took a few years for me to repair my credit. Now my credit score gets near 800. I highly recommend CareOne to anyone who needs desperate help. Hats off to CareOne!
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The company has ripped me off and I will probably be out a couple thousand dollars. I've been paying and have records of so but yet my debt has not been settled and I have well over the amount to pay it. I called and got a human one time. She said there was plenty to pay it and return the rest and would be addressed in about a week. It's been nearly two months now. Money continues to come out and my bank can't or won't stop payments. It has to go through the company I guess. So 150 a month is coming out and I will never get it back? That doesn't seem right. How can I get them to answer my calls.
I used CareOne once before and had great success. In 2014 I started using them again. My biggest mistake ever. My accounts were all messed up. They gave my account to money management, and today (July 2016) I found out for the last 16 months (before Money Management) CareOne was taking money for an account they weren't even paying on. After Money Management and me got things straightened out today, I found out one of my husband's accounts hadn't received any money since October 2014. But the money had been taken from our checking on time every month. So where did the money go? We are out 648$. That now we have to pay again. If we did this we would be in big trouble. Someone needs to account for this wrong they have done us.
I have been with CareOne since 2010 or 2011. I had debt of at least 12,000. 2 different credit cards. Everything they told me would happen did. They always helped me when I called. I have one more payment and I am done. Credit cards were mentioned that doesn't work with CareOne that's not true. I would recommend them for sure. I still got my statements from whom I had help with. You have take some responsibility for yourself. Thanks so much CareOne.
I used CareOne in 2010 to relieve my debt, and it was a wonderful experience. Fast forward to 2015. and I will never ever use that company again. First and foremost, they did not disclose that credit card companies refuse to work with them anymore. Second, when I tried to settle through them, they did not send the payment to my creditors. I absolutely will not use them again. I also asked for an immediate refund, and I was told that it will take 7-10 business days, before I receive it. Um... They have almost $2600 of MY money! I advise anyone looking at this review to not choose CareOne, but to try to settle with your credit card company.
After reading several reviews and doing some research, it became quite apparent that I would rather try to do this myself. It took me a little while, but after I was done, I took the process I used to clean up my finances and turned them into a book/system to help others do it as well. Aside from "decoding" the consumer protection laws to help you understand what they mean, I also included several sample letters that will help guide you through the process, and the best part is that you are in control! If you are interested, check it out, google weathering debt and you will find it.
Do not send account of your monies with proper history. Amount settled on minus payment w/ amount left. Received letter 6 months ago saying I had 6 payments left. Called and said I still owe 5. Ask for all accounts of my monies and was hung up on.
We paid CareOne a $1,000 a month to make a deal with our credit card companies and pay them a reduced amount, after I lost my job. After a year absolutely Nothing got done. Every time I asked to talk with our "assigned" attorney, she wasn't available. We finally received a notice from our county court telling us one of the credit card companies was filing for a lien against our home. I contacted CareOne and sent a copy and was Assured they were going to block the lien in court. I never received any confirmation of what's going on so I call twice - the last time was the day before the court date to see what we were suppose to do if anything and they had not even responded to the court. We ended up just filing bankruptcy and will have to deal with the lien when we sell our home. I would sue CareOne if we had the finances to do so. It's totally a money thing to them. No help, no communication unless you call them, then you get a clerk at a desk telling you what they think you want to hear.
Both my husband and I used Care One for debt accrued before we got married. Mine was for Credit Cards his was for collections (medical bills). He ended up canceling his account with them because he paid several thousand to a collections agency that sold his account to another and then disappeared. So none of the money went towards the debt. But Care One continued to send payments to a debunked collection agency for over a year without letting us know. They were also no help at all when we tried to recover the money. They kept acting like this never happens and that we were the only customers with this Creditor... I have a very hard time believing that when it was a collection for a medical bill from one of the largest hospitals in the US.
I ended up sticking with Care One, because they were saving me money on interest charges. My biggest beef with them is that they originally said it would take me less than 4 years to be debt free... in actuality it took over 5. I didn't add any new credit or creditors, paid every month on time and I even paid off creditors out side of the program when a balance got down to a couple hundred. I'm happy to finally almost be out of debt, and Care One did assist me, but be aware that their projections are way off and let's face it they want their monthly fee, and they are a business so they're going to want you in the program for as long as possible.
If I had it all to do over again I probably would have gone a different path. Also I'm an IT professional so I have to say it, their website is worse today than it was 5 years ago and don't get me started on how useless their smart phone app is. They have only lost functionality over the 5 years I've visited the site, no new advancements and some parts of the site are clearly broken... very unprofessional.
CareOne Credit Counseling Company Information
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- CareOne Credit Counseling
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