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Report: #1174936

Complaint Review: Care One Debt Relief Services - Nationwide

  • Submitted:
  • Updated:
  • Reported By: Liakos71 — San Diego California
  • Author Not Confirmed What's this?
  • Why?
  • Care One Debt Relief Services Nationwide USA

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I signed up for Care One credit relief after reviewing their website and noticing they were Better Business Bureau rated.

Better Business Bureau obviously doesn't have a clue on who they will support.

This company is absoultely one of the worst financial decisions I made in the year 2014.

 

After my divorce proceedings in 2013, I got stuck with multiple accounts, a repossession, and a huge child support garnishment to my wages.

I sought out Care One to see if I could responsibly take care of at least three of my outstanding debts.  My goal was and still is to this day to avoid filing bankruptcy Ch. 7.

First of all, Care One will not take on all of your debts, the truth is they have no negotiating power with many lenders.  The settlement they get you won't be any different than you can get yourself.

Here's anothe kicker, they start collecting your payments right away in the form of an ACH debit to your bank account every two weeks for as much money as you say you can afford to pay.  For most of us seeking this type of help we can barely afford our rent and groceries.

This money goes into a "trust" account and starts to build..........so you may think ,because this is what they tell you.

 

They actually take over 3 months to start negotiating your debts.   During that time, they are drawing interest on your payments to them to fill their greedy corporate account.

What they don't tell you up front is you will still pay them a fee based on the Orginal debt amount, not the settlement amount.

 

Long story short, they only reached an agreement with 1 out of 3 of my creditors on the plan, and in the course of 6 months they paid $900 dollars to my 1 debt, which became a chargeoff during the time period. 

They ended up stealing $700 dollars from me at the same time.

They would have stolen alot more money from me had I not wised up, done some research and cancelled the program.

 

This company is a wolf in sheeps clothing, DO NOT use this company, you are better off letting your debts become charge offs so you can negotiate with the lenders or the assigned third party collection agencies yourself.

If I can save just one person from this company, I have done my job here.

I sure wish I had the $1600 dollars I paid them, because my two month old baby needs to eat and I still pay child support for my former marriage to my 4 year old son.

This report was posted on Ripoff Report on 09/06/2014 01:15 PM and is a permanent record located here: https://www.ripoffreport.com/reports/care-one-debt-relief-services/nationwide/care-one-debt-relief-services-care-one-credit-predatory-debt-relief-at-its-finest-colomb-1174936. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
1Author
3Consumer
0Employee/Owner

#4 Consumer Comment

Nope....

AUTHOR: Robert - ()

POSTED: Monday, September 08, 2014

 This may be a shock for you, but you posted on a PUBLIC web site, and as such the PUBLIC may respond to you.  Where don't be surprised if the PUBLIC doesn't exactly have your same point of view.  It is also very interesting how you didn't deny a single thing that either post said.

You both sound like some typical and hypocritical republican PIG's.
- Well I can't speak for the other poster as to their political leanings, but I am a bit confused as to why my political affiliations(which may or may not be Republican) have anything to do with this report?  I will tell you that I am far from Hypocritical, as I have never cheated on my wife and we waited until we could afford it before we had kids.

Please leave the posting to people for which the posts relate to AND STOP TALKING OUT YOUR REAR ENDS about people's lives when you don't know the circumstances

 - Oh then please tell us the circumstances, just how did you end up in this situation again because I can really only see two  possibilities.  You have a 2 month old that was conceived when you were married to another woman or when you obviously could not afford it.  Did this other woman "trap" you?  Did she somehow force you to have sex with her?  Perhaps your "ex" just didn't understand? 


I'm trying to save people from making poor choices by sharing some of my own,

- By responding that is EXACTLY what I am doing by posting how your "poor choices" caused this current issue.  As if you kept your pants on about 11 months ago, you wouldn't be in this situation now. 

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#3 Author of original report

Are you trolling my report?

AUTHOR: Liakos71 - ()

POSTED: Sunday, September 07, 2014

I think you people posting rebuttals to my report are TROLLS, just lingering around on the internet all day, passing judgement about people in very complex situations that you have no idea about. Here's some advice for you, GET A  LIFE, and stop trying to point your morality finger at others.

Both of the people that replied to my report have no idea what they are talking about.  You both sound like some typical and hypocritical republican PIG's.

Please leave the posting to people for which the posts relate to AND STOP TALKING OUT YOUR REAR ENDS about people's lives when you don't know the circumstances.

I'm sure you TROLLS will love my response because this what you do for entertainment, POS! Get a life, oh wait, you never had one in the first place.

I'm trying to save people from making poor choices by sharing some of my own, and furthermore, the company I'm speaking about is NATIONAL DEBT RELIEF, I have to change my report, CARE ONE CREDIT actually helped me in the past, but they do charge a flat $50 monthly fee.

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#2 Consumer Comment

Your financial decisions are not the source of your problem

AUTHOR: Robert - ()

POSTED: Sunday, September 07, 2014

 It is not your finanical decisions that are causing you all of these issues, it is your moral ones.

You have a 2 month old baby, well that means it was probably born in June, and means it was conceived sometime around September of 2013.  Now, you got divorced in 2013..Umm. 

Now, I don't know if you are the man or the woman in this situation but going to figure that you are the male(because you aren't acting like a "MAN".  So based on this that means that you either cheated on your wife and knocked up another woman while you were married, and that is the reason you got a divorce.  Or you had divorced your ex-wife earlier in the year and then knocked up this woman when you obviously could not afford it.  Neither of which have you looking that good.

It is obvious that you were not willing to pay your child support.  Because not only do you say you are "stuck" with it but a "garnishment" is basically the "we tried everything else to get you to pay and you didn't".

Here is some reality for you...debts can't put you in jail...failure to pay child support can.  So perhaps you should actually start to think about your priorities.  You can say that you are not the type of person who walks away from their debts and you are an "honest" person and that is the reason you are not going to file a Bankruptcy.   Where in reality based on your actions and comments you are still only thinking about yourself and how a bankruptcy will "look" on your credit. 

The bankruptcy won't help you with your child support, but it can clear the rest of your debts giving you breathing room.  Of course if even after this you still can't afford the child support...well guess it's time to get another job, even if that job is scrubbing toilets.  As which is more important to you..your children or your free time? 

 

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#1 Consumer Suggestion

suggestion

AUTHOR: Lad007 - ()

POSTED: Saturday, September 06, 2014

When you incur debt, you need to pay it. Don't blame a company for your poor choices. You have a child support garnishment because you are responsible for your children. Why do you have a court ordered garnishment on your wages? If you paid when you were suppose to you wouldn't be garnished. 

You claim you have a 2 month to feed. 2 month old babies don't eat anything. They should be breastfed that doesn't cost anything. And why in the world would you have another kid when you can't afford the first one?

Be responsible for your actions. 

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