I got seriously ill in 2007 and had to have emergency surgery with no medical insurance... I struggled with bills, lived off credit cards until finally in September I was desperate and started looking for a way out of my financial mess... I turned to CareOne Credit first, they took a payment from me of $426.00 on October 15 and I immediately started receiving refusal letters from my creditors (but amazingly never received any of my money back).
Since my creditors refused their debt management plan, CareOne suggested I use their partners Persels & Associates, LLC a debt settlement plan. I was told that my creditors would be more amenable to this program due to the fact that it was run by attorneys. The way the program was explained was that I would make a monthly payment, they would send cease and desist letters, that I should not contact them or pay them, that if they contacted me I should give them the toll free number they gave me.
Now my wages are being garnised $228.00 every 2 weeks, I have another creditor who will be garnishing me next. A third creditor that I pulled off of the list from Persels. I called Persels to cancel my service and they told me there was a $150.00 cancellation fee, and there is only $92.00 in my account. They took $258.00 on November 15; $158.00 on December 15; and $218.70 on January 15. Now I ask you, how come there is only $92.00 in my account? When I called them about the Garnishment they told me they couldn't help me, and it would take years before they could pay any of my creditors.
Please don't use these people, you're better off calling your creditors and working with them personally. Honestly, Persels & Associates will destroy your life.
Kathleen
Gladstone, Oregon
U.S.A.
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