Awful institution!!! If you have issues paying this medical bill due to unforseen things they send it to collection agency Midland and they are horrible people will get judgment against you garnisment

this is horrible credit card for medical expenses do yourself favor and work with dr. or dentist to pay your bill. If you cannot pay due to job loss or unforeseen things and get behind they will send to collection agency midland and garnish wages or bank account. Beware do not use them work with Dr. office to pay off bill!!! They will then take 25% of your paycheck and cannot get them to stop and court fees horrible people for those who have health insurance and have to pay balances hard working people. While they write off for some without no insurance no unfair!
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Reason of review:
Poor customer service
1 comment

Another tip...If you're being sued, go to the court. They can't garnish you if they don't get a judgment.

Most of these places get default judgment because people do not show up for their case. Often times, these people move from place to place and don't get the notice. OR...They go to 800Notes to see who's calling and block the number.

If you're not paying your bills, you should go online twice a month to make sure you're not being sued. If you are, show up or they will go wild on you.

Brewster Dln
map-marker Portland, Oregon

CareOne Credit is worthless

I worked with a Credit Counseling service that was taken over a year into my contract by CareOne. This company is worthless. They refuse to assist you if you cancel your contract when they acknowledge fault in screwing up your contract to begin with. I withdrew from my contract with them and have managed to settle with all but one of the lenders on my own with no help from them. This however has in the long run, cost me double what it would have had they not screwed up my accounts. They admitted to entering account numbers incorrectly, nothing was caught until I myself found it well into the contract. They did not by any means live up to their promises/hype nor did they even fulfill the terms for the agreement I had with them. They are absolutely NO help to anyone, you are better of finding a different company or doing it yourself.
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I called Careone Credit on 3/12/12 and received 3 different monthly quotes from three of their representatives regarding their Debt Management Program. How is that possible? It makes the company look like a total scam, right?


1. Written by credit counselor, on 15-04-2011 23:16

Im reading these stories, and I have to tell you all...settling your debt is just as bad as filing Bankruptcy.

You dont pay your debt. period. Paying a percentage of the debt is still NOT PAYING YOUR DEBT. Your credit reports/scores will reflect that.

Honestly, using an accredited debt credit counseling agency is the best way to go. You still pay your debt. In full. With stopped late fees, much lower interest rates.

Accounts brought out of collections in many cases. Counselors who are a phone call away-anytime. Working over budgets to make sure you can pay the debt. Bankruptcy counseling if needed in several states.

Call American Financial Solutions. I am a certified credit counselor, certiflied bankruptcy counselor. I am also a client. I've paid over $50k of credit card debt off in 5 years.

Interest rates that were 29% were dropped to 3 and 6%...a few even dropped to 0%. My credit score was below 500 when started...w/i 6 months it was up over 150 points. I am almost done. My debt is almost completely pd off.

Just bought my first house w/an interest rate of 2%...bought a car-brand new...interest on the loan...1%. My credit score is now almost 800. Call them.

Someone will be able to help you. 888-282-****.


Same experience here. They charged me monthly fees for a year while "negoatiating" with Citi.

In the end I got turned over for collection and they did nothing.

I repeatedly asked for supervisors to call me to discuss, that never happened. Don't waste your money on CareOne.

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