 Bill consolidation loans are also known as debt consolidation loans, and they essentially combine all of your unsecured debt into one single loan.
Many bill consolidation loan companies
promote the fact that they can lower your interest rates, but be careful, because this is very misleading.
In order to lower your interest rates, what actually happens is that they extend the loan repayment period by up to 3 times it would take for you to originally pay it off. So your interest rates may be lowered slightly, but you'll actually be in debt much longer!
Another big drawback is the fact that many unsecured bill consolidation loans will require you to put your personal assets on the line as collateral. Clearly, it would be in your best interest NOT to go down this path, especially when there is a much better option available.
What is the solution? A bill consolidation program. This solution allows you to not only lower your interest rates, but as opposed to a bill consolidation loans, drastically REDUCE the amount of time it will take to pay off your debts. With the CareOneSM program for instance, the average drop in interest rates is 57% (some interest rates may even be ELIMINATED!), and a vast majority of people conquer their debt in a handful of years as opposed to potentially decades on their own.
This proven bill consolidation program has helped over 4.5 million people and has been featured in media such as Forbes, Time, MSNBC, Lifetime, and it is widely regarded as one of the easiest and effective programs available today. There are many other benefits with CareOneSM as well, including waived late fees and the fact that you'll no longer have to talk or deal with your creditors ever again.
“One of the biggest benefits about being on a CareOne program is having my credit card interest rates lowered. I’m also glad I no longer have to worry about getting all my bills paid on time. They handle everything for me!”
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| ~Roland H., Medina, OH |
“I came to CareOne to make a serious change. CareOne has allowed me to consolidate my debt into one easy payment. Not only does this save me about $300 a month, it eases my mind to know that all my bills will be paid the same day every month... I know I am taking steps in the right direction!"”
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| ~Michele K., North Ridgeville, OH |
“It sure gives me hope finding people doing the same stupid credit card dance that I try to do and get out of the trouble that comes with it. You make me feel like I’m making the right choice in asking for someone to help.”
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| ~Phil K., Sterling, VA |
“I've saved hundreds in interest and I now have the ability to double up on my payments to get those bills paid off faster!”
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| ~Renee G., Sumner, IL |
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Pay less per month: By negotiating with your creditors, we can drastically lower your payments and interest rates (the average is -57%, but in some cases the interest may even be eliminated!). |
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Pay off your debt faster: By creating a manageable payment plan with reduced payments and other benefits (waived late fees), you'll be able to conquer your credit card debt in only a handful of years compared to potentially 15+ years on your own. |
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Have an easier time paying your bills: All of your credit card bills and other unsecured debt will be consolidated into one easy payment per month so you'll no longer have to juggle multiple bills (all of this is done without a loan). |
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Know exactly how much you are saving: With our unique online interface, you can see detailed reports of the progress you are making on your payments, how much you are saving per month, and much more. |
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Get the service you deserve: With CareOneSM, you will always be treated with respect, care, and compassion. |
 If you're ready to take action against your debt
and start your journey toward achieving financial freedom, click the button below to receive a
FREE (no-obligation) quote and consultation:
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