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CareOne
service are required to adhere to strict standards that are
designed to promote quality and consistent delivery of services.
Credit Counseling Agencies who offer the CareOne service now
follow the highest level of standards in the industry, promising
superior service for all their clients.
Credit Counseling
Myth: All programs are the same.
Reality: Unfortunately, there are people and companies out
there that make a living taking advantage of people in financial
trouble. Please be careful. Please do your homework, check
around and ask questions. Beware of hidden fees. If a company
requires you to make a payment to them, a payment that they'll
keep before they will make payment to your creditors, then
find another company.
Myth: If I check with multiple Credit Counseling Agencies
(CCA), I may find one with a lower creditor payment than another.
Reality: The creditor benefits you will receive on a debt
management program are standardized within the industry. Agencies
providing the CareOne service, as industry leaders, work with
over 60,000 creditors on your behalf, allowing efficient and
accurate processing of your payments and benefits.
Myth: If a CCA is non-profit it must be reputable.
Reality: There are over 400 creidit counselling agencies in
the US with very different service levels, fee structures
and reputations. Find out if the service has member access
by phone and online, electronic debt repayment processing,
and 24/7 customer service. Also, check out your local Better
Business Bureau (www.bbb.org) for complaints.
• Credit union
Credit-Online-i.com.
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