ClearOne Advantage Reviews and Ratings

ClearOne Advantage logo

TL;DR: Summary

• ClearOne Advantage is a debt settlement company that works with people who are struggling with credit card debt and other unsecured balances.
• The program typically requires at least $10,000 in enrolled debt and takes about two to five years to complete.
• Clients pay only after settlements are reached, but credit scores can drop, and results aren’t guaranteed.
• While many reviewers say the team is helpful and the enrollment process is clear, others mention delays, negative credit impacts, and concerns about fees.
• ClearOne doesn’t publish success rates, so anyone considering it should ask detailed questions and compare other options before signing up.

Forty-one percent of Americans say they would rather enjoy the present than put money aside for the future. This option sometimes increases debt, especially if the borrower faces emergencies or irregular income.

As monthly payments accumulate, many borrowers start to explore ways of finding relief. One of the options is ClearOne Advantage.

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What is ClearOne Advantage?

The ClearOne Advantage homepage

ClearOne Advantage is a debt relief company that works with people struggling to keep up with credit card debt and other unsecured debts.

Company overview

• • Entity type: Limited liability company (LLC)
  • Official name: ClearOne Advantage LLC
  • Headquarters: Baltimore, Maryland and Tempe, Arizona
  • Year established: 2008
  • Team size: Over 600 certified debt specialists
  • Total debt resolved: More than $3 billion

• Credentials:

• • Certified by the International Association of Professional Debt Arbitrators (IAPDA)
  • Member of the American Association for Debt Resolution (AADR)
  • Registered with the California Department of Financial Protection and Innovation (DFPI)

Key services or programs

• Service offered: Debt settlement
• Not a lender, loan broker, creditor, credit services organization, or debt collector
• Minimum debt required: $10,000
• Program length: 24 to 60 months

Pricing and fees

• No upfront fees
• Clients only pay after a settlement is reached with creditors (usually 25% of enrolled debt)
• Fee schedule is not disclosed online
• Fees are explained during enrollment, based on individual debt and plan details

Eligibility and requirements

• Minimum debt required: $10,000
• Eligible debt types:
  • Credit card debt
  • Store cards
  • Personal loans
  • Private student loans
  • Medical bills
  • Unsecured lines of credit
• Ineligible debt types:
  • Auto loans
  • Mortgage loans
  • Certain federal student loans
• Other exclusions may apply: Clients should confirm account eligibility during the debt analysis with ClearOne Advantage

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How to apply

1. Start with a free consultation: A certified specialist reviews your debt and budget to create a custom plan.
2. Begin monthly deposits: Payments go into an FDIC-insured savings account until you’re ready to settle.
3. Review and approve settlements: ClearOne negotiates with creditors. You approve each offer before funds are used.
4. Complete the program: Once all settlements are paid, your enrolled debts are resolved.

ClearOne Advantage pros and cons

Here’s what ClearOne Advantage does well and what some people might not like.

Pros

• Offers a free consultation with no commitment
• No minimum credit score required to qualify
• Plans are built around lower, more manageable monthly payments
• Some clients finish their debt settlement program in as little as two years
• Chat support is available six days a week for questions or updates

Cons

• Only works with unsecured debts, such as credit card debt
• Services are not offered in every state
• Settlements may negatively affect credit during the process
• Fees are not listed online, so clients must ask for full cost details during enrollment

ClearOne Advantage ratings, reviews & complaints

Here’s how ClearOne Advantage is rated and what people say about their experience.

Better Business Bureau (BBB) reviews

ClearOne Advantage BBB profile

ClearOne Advantage holds an A+ rating from the BBB with a 4.21-star average based on 588 reviews.

Many customers say the staff is helpful, patient, and makes the process feel less overwhelming. The early support stands out in positive feedback.

Complaints mostly involve slow follow-ups, fee concerns, or creditor issues. ClearOne usually replies with details from the client’s agreement and offers help when possible.

Trustpilot reviews

ClearOne Advantage Trustpilot profile

ClearOne Advantage holds a 4.8 rating from over 10,000 reviews.

Most people say the staff is patient, helpful, and takes time to explain things clearly. Many felt more confident after the first call.

Enrollment is described as simple and well-explained. A few reviews mention slower progress or credit concerns.

Reddit reviews

Reddit users say ClearOne Advantage works by letting accounts fall behind before trying to settle. Some were told to block creditor calls while ClearOne handled negotiations.

Concerns focus on credit damage, lawsuits, and unexpected fees. A few mention tax issues from forgiven debt.

Some users had success settling accounts. Others felt the fees outweighed the benefit or had trouble getting refunds after canceling.

Several suggest looking into nonprofit debt plans or bankruptcy as alternatives.

Outcomes and success rates

ClearOne Advantage doesn’t publish success data, so there’s no way to know how clients become debt-free or how much they actually save.

Some say the program helped them settle credit card debt and other unsecured debts, while others claim they paid fees without seeing results. Outcomes depend on the account, amount owed, and how long a client stays in the program.

Based on industry averages and reports from past clients, many users see settlements for 50 to 60 percent of original balances, and end up saving 25 to 37 percent after fees. The first settlement usually occurs within three to four months.

Who is ClearOne Advantage for?

Here’s who might benefit from ClearOne Advantage and who likely won’t.

Best for

• People with credit card debt or other unsecured debts
• Those open to a temporary credit score drop
• Clients not applying for new credit in the next two to three years
• Anyone who wants support through the debt settlement process

Not recommended for

• People with secured debt, tax debt, or legal obligations
• Anyone outside ClearOne Advantage’s service area
• Clients needing fast credit recovery
• Those who are not comfortable with fees up to 30 percent of enrolled debt

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ClearOne Advantage alternatives to consider

If ClearOne Advantage doesn’t feel right, here are other options:

Accredited Debt Relief

• Offers up to 50 percent savings on enrolled unsecured debts
• Requires at least $10,000 in debt
• Charges around 25 percent of enrolled debt after settlement
• Provides debt settlement services with no upfront fees

National Debt Relief

• May reduce up to 50 percent of what’s owed before fees
• Requires a $10,000 minimum balance
• Charges between 15 and 25 percent of enrolled debt
• Works with credit card debt relief and large credit card bills

Freedom Debt Relief

• Minimum debt is $7,500
• Program typically lasts 24 to 48 months
• Charges a 15 to 20 percent settlement fee, only after a settlement is reached
• Monthly maintenance fee of $9.95 for the special account that holds funds
• No upfront fees

Final verdict

Clear One Advantage can work for people who want help managing debt and don’t mind the risks that come with debt settlement. Some say it gave them relief and support, while others share issues that made them rethink their decision.

Before signing up, it’s worth talking to a rep, asking questions, and making sure the program makes sense for your situation. If anything feels unclear, look at other options or get further assistance from a nonprofit or financial advisor.

Frequently asked questions

Is ClearOne debt relief legit?

Reviews show mixed results, but the company is real, works directly with creditors, and provides a structured program for clients who choose this approach.

How much does ClearOne Advantage charge?

ClearOne Advantage does not publish its pricing online. Based on industry norms and customer reports, fees are commonly around 25 percent of the enrolled debt. There are no upfront fees, and costs are explained during the enrollment process before clients sign and commit to a plan.

Is it a good idea to use a debt relief program?

It depends on your situation. Debt settlement can lower balances over several months, but it requires you to stop paying creditors, which can hurt credit and comes with risk. For some, it feels like a last step before personal bankruptcy. Others prefer options that protect their financial future with fewer downsides.

Is it true you don’t have to pay debt collectors?

No. If someone stop making payments, collectors can still contact them and may take legal action. Some people look into other options to manage their finances, but ignoring the debt does not make it go away. Speaking with representatives who explain all the information in great detail can help people understand their risks and decide what they can realistically afford.

What is the best strategy to pay off debt?

A common approach is to keep minimum payments on all balances, then use any extra funds or more cash to focus on the balance with the highest interest. This method helps reduce long-term costs and keeps spending under control. For some, having a clear plan brings hope and makes it easier to manage money without feeling overwhelmed.