About two or so years ago, my husband and I began to struggle with some of our bills. I had recently been laid off and did not qualify for unemployment. The town we were living in then had a fairly high unemployment rate due to some of the plants closing shop. This forced hundreds of people to become my “competition” when it came to the job market and finding work. After talking with both of our parents and our lenders, we were referred to Care One. We were a bit weary in the beginning because it was the first time we had ever struggled and needed help. We had never had to go through a process like this as we had always been financially stable up until that point! We spoke with one of Care One’s representatives, who came up with a budget and financial plan for us, based on the funds we had available each month. We set up two of our loans (a credit card in my husbands name and a personal line of credit) under the plan. In doing so, we dramatically lowered our monthly payments and forced them into one payment instead of two. The payments were automatically debited from our account on the same day (unless it was a Holiday or weekend, in which case it came out the following business day) each month! This debt consolidation was the best thing we did for ourselves and it came at the perfect time!

The representatives at Care One helped us with budget planning basics! This helped us work up a great budget and helped us set short term and long term financial goals. This would end up helping us in the future, if something happened and either of us lost our job or got laid off again. Before going through Care One, we really didn’t realize where all of our money went each month. We knew the money was being “spent” but until sitting down and going over our spending habits, we didn’t realize how much we were “wasting” each month.

Choosing to consolidate those loans with Care One was the best solution for us! As someone who’s actually been through the program and witnessed it first hand, I can honestly say that it worked!