Overall Rating


out of 10


9755 Patuxent Woods Drive, Suite 100
Columbia, MD 21046
  • 13 Years in Business
  • Refund Policy
  • Financing Available


The Good

Well-known, Nationwide Organization
CareOne Debt Relief has helped more than 5 million people get out of credit card debt. The company operates nationwide and is, perhaps, one of the most well-known debt relief agencies.

With providers licensed to offer debt management and debt reduction services in all 50 states, with offices spanning from Florida to California, CareOne Debt Relief can help consumers across the country consolidate and reduce their monthly payments and get out of debt.

Works with Accredited Providers
Although CareOne Debt Relief is not accredited by the Better Business Bureau, the company works only with BBB-accredited providers. This means the company that actually provides credit counseling and debt relief through the CareOne brand name is fully accredited.

Understand Your Debt Relief Options
CareOne Debt Relief Services offers a variety of options for individuals with more than $2,500 in unsecured debt. The most common program, a debt management plan, can stop collections calls and eliminate late fees to help you pay off your debt.

For those who can’t afford a debt management plan, a debt settlement plan can help you pay off your credit card debt at a fraction of what you owe.

If you and your credit counselor at CareOne determine bankruptcy may be your best option, the firm can direct you to a bankruptcy lawyer in your area.

Helps You Pay Less
CareOne customers report saving thousands on interest charges and late fees when they take advantage of CareOne’s debt management plan. You could save even more with a debt settlement plan, by letting CareOne providers negotiate with your creditors on your behalf to settle your debt for a fraction of what you owe. However, be aware that your credit score may suffer with a debt settlement plan.

Ongoing Support to Stay Out of Debt
Not only does CareOne connect you with credit counselors who can help you get out of debt, the company offers tools to help you stay out of debt.

Dip into the CareOne “tip jar” for articles that go beyond the basics to save money, earn a little extra cash, and even celebrate the holidays on a debt management plan.

You can log in to the CareOne community, too, for advice from expert advisors and consumers who are on their own journeys to financial freedom.

These are just a few of the ongoing services CareOne provides to help people track, improve, and maintain their financial health.

Save More with Member Benefit Services
Unlike many other debt relief companies, CareOne offers a number of programs to help their customers turn their financial lives around. CareOne’s Member Benefit Services, available for just $5/month, offers savings on everything from groceries to your dream vacation.

You can also take advantage of the company’s Legal Access Plan, and a cash rewards program that puts money back into your pocket when you shop. CareOne seems to understand that you don’t want to stop living just because you are in a debt management program, and provides the tools so you can enjoy the finer things in life on your new budget.

Can Help Businesses and Individuals with more than $2,500 in Debt
Tired of companies that can only help you if you have $10,000 or more in credit card debt? As long as you have at least two open accounts and $2,500 or more in debt, CareOne may have a plan that fits your needs.

Alternative to Bankruptcy
Bankruptcy can hurt your credit score for as long as 10 years, and you may still have to pay back all your debt. With a debt management or debt settlement plan, you could pay less and will have a greater opportunity to re-build your credit faster.

Gives Back to Community
CareOne doesn’t just work hard to get its customers out of debt. Through its charitable foundation, Ascend One, it also aims to improve local communities. The Ascend One Corporate Fund supports CareOne employees in community leadership positions.

The company supports charitable giving and volunteerism amongst its employees and has earned recognition across its home state of Maryland and across the U.S. for its efforts.


  • Well-known, nationwide organization
  • Works with accredited providers
  • Offers a variety of debt relief solutions
  • Guarantee that you will reduce your debt by at least 20%
  • 100% money-back guarantee
  • Free consultation
  • Alternative to bankruptcy
  • Can help consumers with as little as $2,500 in unsecured debt
  • Easy to enroll online or by phone

Free Consultation
CareOne offers a free consultation with a debt relief provider in your area so you can see if the company and its services may be a good fit for your financial situation.

6-month, 100% Satisfaction Guarantee
Not happy with your debt resolution? The CareOne Promise includes a 100% satisfaction guarantee. This means that, if at any time within the first six months of your debt management plan you are unhappy with CareOne’s service, support, or benefits, you can cancel with no questions asked and receive a full refund of the service fees you’ve already paid.Also, CareOne’s Settlement Savings Guarantee promises that you will save at least 20% of your existing balance at the time of settlement or CareOne will reduce or eliminate their own service fees so that you save money with your settlement. This means you are guaranteed to save at least 20% off your total balance when you allow CareOne to negotiate with your creditors on your behalf.

The Bottom Line

As one of the largest names in debt relief, CareOne provides reliable debt management and a variety of services for consumers struggling with credit card debt.

It’s important to note that CareOne Debt Relief Services based in Columbia, MD, is not accredited by the Department of Consumer Affairs or the Better Business Bureau, two independent agencies that determine the trustworthiness of businesses and evaluate their level of customer service. However, CareOne only works with accredited providers, so the companies who actually handle your negotiation are deemed to be trustworthy and reliable.

With CareOne’s 100% satisfaction guarantee and its Settlement Savings Guarantee, there is nothing to lose by giving CareOne a chance.

About CareOne Debt Relief Services

As one of the most well-known debt relief agencies in the country, CareOne Debt Relief has helped more than 5 million customers. Founder Bernie Dancel started CareOne after recovering from a bankruptcy, with the goal of helping other people keep from making the same mistake.

CareOne works with providers across the country who provide debt relief services under the CareOne brand name, using proven methodology and time-tested tactics to negotiate with creditors and create a debt management plan for customers.


Customer Satisfaction


Reviews are mixed for CareOne. Many consumers report they successfully used CareOne Debt Relief Services to get out of debt in as few as five years, while consolidating their credit card bills into one manageable monthly payment.

But the company only received a 2.5-star rating with Consumer Affairs. This is because many companies operate under the CareOne brand, so there is some confusion out there.

Luis of Apo, NV, gave CareOne five stars and shared some tips for successful debt management. “The key to this program through Care One is to keep up with it… Make sure the payments are being made, make sure your statements reflect those payments, and manually update your balances to ensure everything is accurate.”

Variety Of Services


CareOne provides debt management plans and debt settlement plans through its providers nationwide. It can also connect consumers with local bankruptcy attorneys if it is determined that bankruptcy is the only way out of debt.

In addition to these services, CareOne is committed to helping customers stay out of debt with a wide variety of online resources, including a forum and a blog. CareOne also offers Member Benefit Services, which helps customers save money on everyday items like groceries and also enjoy discounts on travel and more.

Experience And Recognition


In business since 2002, CareOne is one of the longest-running and most widely known debt relief agencies. In an industry where businesses come and go, a 16-year history says a lot about a company’s reputation.

CareOne has also been featured in reputable media outlets including CBS Money Watch, Business Insider, and the San Francisco Chronicle. In addition, it has garnered awards from a number of organizations and news outlets, including being ranked one of the "Best Places to Work" by Baltimore Magazine four times.

Licensing And Accreditations


CareOne is not accredited by Consumer Affairs or the Better Business Bureau, but it does have a 100% customer satisfaction rating on the BBB website.

The BBB has raised concerns about the type of services CareOne provides. The BBB website reports, “BBB cannot state with confidence that we have a clear understanding of the products and services provided.”

It’s worth noting, however, that CareOne works exclusively with BBB-accredited providers who provide debt relief services under the CareOne brand.

Expert Review


Negative consumer reviews and lack of accreditation tarnish an otherwise stellar reputation. CareOne is clearly esteemed in its community for its philanthropic and volunteer efforts through its foundation and, more importantly, has helped more than 5 million consumers get out of debt.

The company’s 100% satisfaction guarantee gives customers a full 6 months to decide if the program is right for them. This guarantee, confined with the breadth of services offered by CareOne, exemplifies the company’s dedication to customer service and its commitment to the success of its customers.

Because CareOne works with providers across the country, it’s important to research the actual debt management firm that will handle your account before jumping in. Read the customer reviews for your specific region and, above all else, trust your instincts during your phone consultation.

CareOne can help you save 20% or more off your total debt. The program provides the tools to help you get out of debt in anywhere from two to five years. Depending on the program you choose, you may even be able to preserve your credit rating or prevent your credit score from dropping further if you have already missed payments.

The CareOne website is stocked with a wealth of information that can help you save money as you fulfill the requirements of your debt management plan.

If you are in debt for $2,500 or more, it pays to consider CareOne Debt Relief Services to help you make the right decision, consolidate your debt, and take the first step toward financial freedom.


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