I've been using Care One for a couple years and they are a great and legit company. They have helped me pay off 2 credit cards and about to pay off another. Without Care One I wouldn't be this close to being debt free.
Care One Services is a debt consolidation company owned by parent company Amerix Corporation. The founder's name is Bernie Dancel. They have been sued by a several state attorney generals.
They try to push debt settlement on customers that should be doing debt management.
Your best bet, if you need financial help with your debt is to go with a non-profit organization.