Company Background Management Profile Awards & Accolades Community Commitment
3C Incorporated markets the CareOne brand of debt relief services and financial education to consumers.

CareOne Services Inc. provides consumers with multiple solutions to complex money problems.

Amerix Corporation provides the back-office processing and technology for credit counseling agencies and debt relief providers.

Management Profile

Bernie Dancel
President & Chief Executive Officer


We have created a corporate culture where team members know they are an integral part of the company; they are inspired to work and think differently; they have a say in the expansion of our business; they are willing to take risks. Because of this, innovation is at the heart of everything we do.

RESPECT FOR PEOPLE ~ LEARNING & DEVELOPMENT ~ INTEGRITY ~ SERVICE TO OTHERS ~ TEAMWORK ~ INNOVATION

Baltimore Smart CEO Names Ascend One to Future 50 List
As featured in Worth Magazine

Bernie Dancel is Chief Executive Officer and Chairman of Ascend One Corporation, parent company to the Amerix Corporation, which Dancel launched in 1997. As CEO, Dancel oversees the strategic direction of Ascend One Corporation, the umbrella company to the Amerix Corporation as well as CareOne Services (formerly The Freedom Point) and 3C Incorporated. He has over 18 years of experience in the debt management and debt education industry.

Prior to leading Amerix, Dancel started National Credit Counseling Services in 1992, a nonprofit credit counseling agency, which later became Genus Credit Management. Under Dancel's leadership, Genus Credit Management grew to be the largest non-profit credit counseling agency in the nation.

After starting Amerix Corporation in 1997, Dancel left Genus to focus on developing Amerix's technology and service platforms to serve other credit counseling agencies. It is now the nation's largest provider of technology and processing to the debt management industry.

A true entrepreneur, Dancel has been recognized by The Daily Record as the Innovator of the Year in 2008 He is known for his ground-breaking strategies in marketing, customer service and technology that have become standard in the debt management industry.

Dancel shows the same level of innovation and devotion to his employees as he does to his company. A devoted husband, and father of five children, he understands and appreciates the importance of balance between personal and work life. Determined to bring that balance to his employee’s lives, he moved his company in the direction of a virtual workplace environment -- enabling over 250 of his employees the opportunity to work from home and allowing them to eliminate commute time, save money on transportation and be more readily available to their families. This innovation has resulted in Ascend One Corporation being named one of the top 25 Best Places to Work in Baltimore in 2009, 2007 and 2005 as well as being named one of the American Psychological Association's Best Practices Work/Balance Award in 2008.

A philanthropist, Dancel’s commitment to the welfare of Maryland families has driven him to donate generously to public education, hospitals and non-profit agencies throughout the state. He is a major supporter of the Howard County YMCA of Central Maryland. The Dancel Family Foundation’s generous donation revitalized the Y’s capital campaign, allowing them to upgrade and expand their facility, benefiting thousands of Howard County families. Dancel was a driving force behind the Howard County Stadium Lighting initiative, a group of citizens formed to raise money to install lights in all the area high school stadiums. Howard County General Hospital has benefited from Dancel’s support as well. His Foundation recently donated funds to build and outfit a state of the art fitness center and Cardiopulmonary gym to be used by cardiac rehabilitation patients from the hospital's Outpatient Center.

Not satisfied to just invest his dollars in the community, he gives generously of his time. He serves as a member of the Board of Directors for Howard Bank. He is one of the founding members of the Columbia Ravens Football organization and is the Chairman of the Dancel Family Foundation, a non-profit organization whose mission is to focus on the needs of children. He has served on the boards of the Howard County Public School Education Foundation, Columbia Foundation for the Arts, and Howard County Community College Education Foundation. Junior Achievement, Starr, Domestic Violence Center of Howard County, National Family Resiliency Center, Howard County Academy of Finance, Maryland Council on Economic Education and the Horizon Foundation are only a few of the many community groups that benefit from the generosity of Dancel.

Bob Miller
Chief Operating Officer

Bob's career in finance brought him to the start-up of AT&T’s Universal Credit Card, as one of that division’s first employees. “We built a business, unlike credit card banks at the time, that was focused on delighting customers”—making it the first service company to win the Malcolm Baldrige National Quality Award.

He brings that same customer-focused philosophy to CareOne Services, Inc. “I agreed with Bernie’s philosophy and saw a similar challenge.” He values using his financial knowledge to meet the company’s business needs, so that we can then better meet the needs of our customers.

Bob is devoted to his three boys and his eight grandchildren. He is also passionate about supporting the ALS Association and the fund he created there, The Maureen Slattery Miller Care Fund, in honor of his late wife.

Jennifer Realo
Chief Product Officer

Jenny joined CareOne Services, Inc. in 1999 and has worn many hats over the years, including leading the start-up of our online channel, running call center operations, and landing in Product Management and Development.

She says she loves working on a business challenge, especially one that involves new technologies, and watching the results—and, even more, the impact on our customers. “The work we do day in and day out to help consumers looking for a fresh start to their financial life is beyond rewarding.”

Jenny also loves spending time with her husband and three boys, and when she’s not with her family, she’s taking in the outdoors with a run or reading a great book. She is also on the Board of the Living Classrooms Foundation, which offers inner-city kids and adults numerous after-school athletic, job training, and empowerment programs.

John Mill
Chief Financial Officer

John Mill joined the CareOne team in 1998 and is currently Executive Vice President and Chief Financial Officer. In this role, John leads the accounting, finance, and treasury teams. Prior to joining CareOne, John held financial leadership positions within financial planning and analysis, treasury, and internal audit organizations at AT&T Universal Card Services, and was part of the initial launch of this Malcolm Baldrige National Quality Award-winning credit card issuer. He also held various positions within other AT&T companies. John enjoys spending time with his wife and three children. He also enjoys reading, playing golf, and volunteering with his church.

Mark Westerman
Chief Marketing Officer

Mark arrived at CareOne Services, Inc. after a rich and varied career working with successful clients in a number of fields—from being Vice President of Global Marketing at Fila to founding the West33 Consulting Group, where he worked with goarmy.com, Velocity Sports, and MoGo Sports.

Working at CareOne has offered him the chance both to join a great team and to make a difference in the lives of others. He says, “The opportunity to have a positive impact on someone’s life is all it takes to get me out of bed when that alarm clock starts ringing.”

Mark is also devoted to his wife and three children, the Steelers, everything “University of Michigan,” and anything having to do with the outdoors, especially, running, biking, and playing with the kids. He is also working to raise funds for the Owings Mills High School Stadium Project. “They are the only high school in Baltimore County without a stadium”—and with Mark’s help leading the project, they have raised $1.2 million—which means the stadium will be completed for the 2013 school year.

Jiunn Tan
Chief Information Officer

Jiunn has many years of experience leveraging data, analytics and technology to shape strategy in top-tier financial institutions, including First USA, Advanta, and Merkle, a leading database marketing consulting firm, where he managed a portfolio of clients, including Bank of America, Dell, Disney, GEICO, NIKE and Samsung.

Jiunn describes himself as all about optimization—constantly looking for the most efficient way to maximize performance. What excites him about joining the CareOne Services, Inc. team is using that knowledge to help consumers in financial distress.

Aside from work, Jiunn is also passionate about sports, food, and traveling to foreign countries to experience the different cultures.