 With the struggling economy, many people are finding themselves deep in credit card debt. Therefore, consumers are forced to turn to debt consolidation in order to get control of their finances. However, before a person decides to consolidate their credit card debt, they need to be aware of the credit... |
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Living with debt is by no means easy. There’s the constant concern of living paycheck to paycheck and the never ending issue of covering monthly bills and living expenses. While most of us pride ourselves on being self-sufficient, it’s hard to ignore that we all sometimes live well beyond our means.... |
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| CareOne Credit Counseling |
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Background 8930 Stanford Blvd. Columbia, Maryland MD Other Business Names: CareOneCredit, Care One Debt Consolidation, Careone Services, Inc. Care one is also associated with Consumer Education Services, American Financial Solutions, formerly Genesis Financial Solutions Summary of Business: Credit Counseling, Debt Management, Financial Services Number of BBB Complaints as of 7/17/08: 56 Members of BBB: Yes BBB Profile Business Start Date: August 2002 Number of Employees: 155 Trade Organization Memberships: AADMO (American Association of Debt Management Organizations) Certifications: Bureau Veritas Certification (Formerly BVQI) Want to make sure that the company you are dealing with is reputable? Read PayingPaul.com's report on debt scams, frauds and rip offs. Is your company a non-profit organization? No, although the agencies providing the debt management plans are non-profit Do you offer pre-bankruptcy credit counseling? No Are your counselors certified or accredited? If neither, how are they trained? N/A What trade organizations are you a member of? Aadmo Eligibility Is there a minimum amount of debt to qualify? $2,500 Do you deal with unsecured debt only? Yes Do you require that all of my accounts are included in the program? It depends mostly on the guidelines of the creditors that the client has. Services How is the set up fee and monthly maintenance fee determined? what is the fee? Based on the state and other factors. When I asked to go further in depth about the other factors, the phone agent insisted on transferring the call elsewhere. Once the call was transferred, no one else would answer the question. Are there any creditors that you do not work with? American Express How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online? Yes or the client receives monthly bills in the mail Do you have a refund policy for unsatisfied customers? Agent refused to answer this question and transferred call to a supervisor who did not return the call. (Disclaimer: The following information is based on an informal conversation that PayingPaul.Com had with a representative from this company. In no way should this be construed as a formal statement made by the company about the services it offers. Moreover, although an effort has been made to keep this information up to date and accurate, in no way is this a comprehensive overview of the company profiled. For complete information, please contact a representative from this company.) Want to get a free quote from a debt management company? Fill out a form and PayingPaul.Com will match you up for free! |
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Credit is a useful tool and when handled responsibly allows us to obtain credit cards, loans for homes, cars and other big ticket items. The better we handle our credit, the better the terms that are offered to us from lenders including higher credit lines and lower interest rates.
If, however, a... |
The dismal economy is having an adverse effect on people around the globe with millions facing tremendous amounts of debt. For many, escaping their debt seems like a far off dream but it doesn't have to be! By applying a few simple guidelines to your spending habits, you can begin to reduce credit card... |