Persels & Associates, LLC Care One Credit Council Care One Credit, CareOne Credit Counseling WORTHLESS LIARS!!! DON'T GET SCREWED LIKE WE DID!!! Internet

After reading a number of the complaints leveled at Care One, I am actually a little shocked. I just finished my 5 year plan and paid off $35k in debt. I do remember having some issues early on, as the negotiation phase was just beginning; i.e. credit cards still charging me fees for being late and not paying, however the moment the negotiations were finalized the fees disappeared and the payments stopped being for legal fees and began paying off the credit cards. Things have been moving so smoothly with Care One that I only checked in with them periodically. My last payment was submitted last night and though they took out the regular amount as they have for the past 5 years, I actually only owed half that on the remaining bill. I called and they said it was because they had not been updated by the credit card company since the bill was not due for a further two weeks. Over the phone they figured out based on my credit card statement exactly how much was still owed and were refunding me the difference in 7 working days. I was told that it was because they had not received the final statement from the credit card company as of yet. Honestly, the beginning is the rocky part, especially if your particular credit card companies will not negotiate. Once everything is finalized it worked, at least for me, without much trouble at all and I am now debt free. All this talk of not telling clients to look at their statements or not take calls from the creditors goes contrary to what I was told. I was told to tell the creditors I had signed up with a debt consolidation service and if they needed more information to call Care One. Within a week I was no longer getting calls. I remember specifically getting a call of exactly what the terms of the negotiations had been and paperwork to sign to agree to them myself came in the mail shortly afterwards. This company has been nothing but helpful and kept me out of the slippery slope of being able to just pay off minimum payments by replacing it with the ability to pay off the principle. I appreciate everything they have done and set my financial life back on course.

After reading a number of the complaints leveled at Care One, I am actually a little shocked. I just finished my 5 year plan and paid off $35k in debt. I do remember having some issues early on, as the negotiation phase was just beginning; i.e. credit cards still charging me fees for being late and not paying, however the moment the negotiations were finalized the fees disappeared and the payments stopped being for legal fees and began paying off the credit cards. Things have been moving so smoothly with Care One that I only checked in with them periodically. My last payment was submitted last night and though they took out the regular amount as they have for the past 5 years, I actually only owed half that on the remaining bill. I called and they said it was because they had not been updated by the credit card company since the bill was not due for a further two weeks. Over the phone they figured out based on my credit card statement exactly how much was still owed and were refunding me the difference in 7 working days. I was told that it was because they had not received the final statement from the credit card company as of yet. Honestly, the beginning is the rocky part, especially if your particular credit card companies will not negotiate. Once everything is finalized it worked, at least for me, without much trouble at all and I am now debt free. All this talk of not telling clients to look at their statements or not take calls from the creditors goes contrary to what I was told. I was told to tell the creditors I had signed up with a debt consolidation service and if they needed more information to call Care One. Within a week I was no longer getting calls. I remember specifically getting a call of exactly what the terms of the negotiations had been and paperwork to sign to agree to them myself came in the mail shortly afterwards. This company has been nothing but helpful and kept me out of the slippery slope of being able to just pay off minimum payments by replacing it with the ability to pay off the principle. I appreciate everything they have done and set my financial life back on course.

After reading a number of the complaints leveled at Care One, I am actually a little shocked. I just finished my 5 year plan and paid off $35k in debt. I do remember having some issues early on, as the negotiation phase was just beginning; i.e. credit cards still charging me fees for being late and not paying, however the moment the negotiations were finalized the fees disappeared and the payments stopped being for legal fees and began paying off the credit cards. Things have been moving so smoothly with Care One that I only checked in with them periodically. My last payment was submitted last night and though they took out the regular amount as they have for the past 5 years, I actually only owed half that on the remaining bill. I called and they said it was because they had not been updated by the credit card company since the bill was not due for a further two weeks. Over the phone they figured out based on my credit card statement exactly how much was still owed and were refunding me the difference in 7 working days. I was told that it was because they had not received the final statement from the credit card company as of yet. Honestly, the beginning is the rocky part, especially if your particular credit card companies will not negotiate. Once everything is finalized it worked, at least for me, without much trouble at all and I am now debt free. All this talk of not telling clients to look at their statements or not take calls from the creditors goes contrary to what I was told. I was told to tell the creditors I had signed up with a debt consolidation service and if they needed more information to call Care One. Within a week I was no longer getting calls. I remember specifically getting a call of exactly what the terms of the negotiations had been and paperwork to sign to agree to them myself came in the mail shortly afterwards. This company has been nothing but helpful and kept me out of the slippery slope of being able to just pay off minimum payments by replacing it with the ability to pay off the principle. I appreciate everything they have done and set my financial life back on course.

Well these guys are great and promising to help and not really doing anything.  I was once with them, and after doing research and having the threat of a judgement placed against me I dropped them as soon as I could.  You will probably want to contact an attorney about your financial issues.  Also you should write down every time you have spoken with Persels/Care One then write letters to your congressman, and Attorney General.