Care One Debt consolidation

how is care one? i am thinking of using them, im afraid they wont actually pay my bills, i dont want a settlement im fine with paying what for what ive done, i just want consolidation, would u reccomend?

stefanee, Care one is a debt and credit counseling agency. They have an accreditation with the Better Business Bureau (BBB), and their BBB rating is A+. However, before you can enroll in their counseling program, you can check them out with BBB according to your state at http://www.bbb.org/us/Find-Business-Reviews/ .
For more informations on this agency you can refer to the other threads on care one. However, as far as debt consolidation is concerned, you can do it yourself. If you have several credit cards, you can do balance transfer. Transfer balances from high interest card to a low interest one. You can also take out a new loan to pay off your debts.

beware of care one... they really messed us up, before they even received the first payment. the day i signed on, they told me they would not send out letters to creditors UNTIL AFTER they received the first payment. well, 48 hours after signing on with them, we called and cancelled our enrollment. we did not find out til 3 months later, that they sent out letters to the creditors WITHIN the 48 hours that we were enrolled... the fees they charge are crazy. and they will NOT make any payments to anyone or even talk to your creditors for many months, while they accumulate funds. they do take a lot of their fees at the front of the enrollment, no matter what they tell you about how they get their fees. this is one reason why we cancelled our enrollment so quickly, i read on the care one forum what other enrollees had suffered, even after paying to them for months and months. it made their situations even worse. you are best to do it yourself, it is not that difficult. just have to deal with phone ringing all day long with "unknown" callers, and toll free numbers showing up.