ClearOne Advantage
Is This Your Business?2.6
4.3
Overall Score
Author: Kaitlyn Short
ClearOne Advantage is a debt settlement company* based in Baltimore, Maryland. ClearOne provides full-service debt settlement services to customers with credit card debt and other forms of unsecured debts. The company works with each customer to create a custom debt settlement program and certified ClearOne debt specialists will work with your creditors to secure lower final payment amounts. ClearOne doesn’t charge upfront fees and its services are backed by a 30-Day Satisfaction Guarantee.
Continue reading for more information, as well as ClearOne Advantage reviews.
Top Ranked Companies
The Good
- Dedicated Team of Professionals
- Free Debt Relief Savings Estimate
- Simple Debt Settlement Process
- No Upfront Fees
- 30-Day Satisfaction Guarantee
- Online ClearOne Advantage Client Portal
Dedicated Team of Professionals
ClearOne Advantage understands that one customer's financial situation will be entirely different from that of another customer. For this reason, a personalized debt settlement program will be created for you based on your current financial situation. The creation and execution of your debt settlement program will be overseen by ClearOne’s dedicated team of professionals. When you work with ClearOne, you will work with the following professionals:
- Certified Debt Specialist — From your first call, you will work with a Certified Debt Specialist who will walk you through the debt relief process and make a personalized program to fit your needs and your budget.
- Expert Negotiator — With years of experience working with creditors, ClearOne’s negotiators can settle debts with larger amounts of savings.
- Customer Loyalty Group — Throughout the debt relief process, ClearOne’s Client Relations Specialists will manage your account and offer support along the way.
No matter your financial circumstances, the ClearOne team will be able to offer your personalized solutions and support throughout the entire debt relief process.
Free Debt Relief Savings Estimate
If you would like to know how much you could potentially save through ClearOne’s services, you can get a free online savings estimate on the company’s website. You will be required to provide your personal contact information and an estimated amount of your current debt. After providing the necessary information, you will be contacted by a ClearOne Debt Specialist to talk through debt relief solutions.
A debt relief savings estimate won’t have any impact on your credit score**. And your initial consultation with a ClearOne Debt Specialist is obligation-free and free of charge.
Simple Debt Settlement Process
The ClearOne debt settlement process is simple and the ClearOne team will do most of the work on your behalf. The ClearOne debt settlement process includes the following steps:
- Consultation with a Certified Debt Specialist
- Enrollment in ClearOne’s debt settlement plan
- Make your first monthly payment into the program
- ClearOne begins negotiations with your creditors
It is important to note that before ClearOne’s negotiators begin working with your creditors you’ll need to accumulate sufficient funds in your program account. The reason for this is because ClearOne may be able to negotiate a better settlement for you — ClearOne’s goal is to get your creditors to agree to accept less than the amount of debt owed. Thus, the more money you have in your account, the more favorable settlement you may be able to get.
No Upfront Fees
ClearOne doesn’t charge any upfront start-up fees for its debt settlement services. You won’t have to pay any settlement fee until a settlement is arranged, you’ve approved the settlement, and at least one payment is made towards the settlement.
30-Day Satisfaction Guarantee
ClearOne’s debt settlement services are backed by a 30-day satisfaction guarantee. Thus, if you aren’t satisfied with your service and/or settlement, you can stop service and get your money back.
Online ClearOne Advantage Client Portal
ClearOne makes it easy for clients to manage and monitor their debt settlement program, as well as their debt settlement progress. The portal is available 24/7 and you’ll have access to all your account information.
The Bad
- Not Available in All States
- Undisclosed Eligibility Requirements
Not Available in All States
ClearOne’s debt settlement services are available nearly nationwide, but it's important to note that the company's services aren't available in the following three states:
- Illinois
- Montana
- Oregon
Unfortunately, if you reside in one of the states listed above, ClearOne’s services will not be available to you.
Undisclosed Eligibility Requirements
ClearOne doesn’t outline eligibility requirements for its debt settlement programs. In most cases, debt relief companies will have a minimum debt requirement, as well as a minimum credit score and minimum income requirements to ensure that you can make your monthly payments.
The Bottom Line
ClearOne Advantage makes it simple and easy to settle your debts through its personalized debt settlement programs. You will work with a certified ClearOne Debt Specialist, who will analyze your debt and current financial situation, and then provide you with a personalized debt settlement program. You will be required to make monthly payments to the program, which will be used to negotiate with your creditors at a later date. You can monitor your program progress through the ClearOne online client portal, where you can also easily access all your account information.
ClearOne doesn’t charge any upfront fees, which may make it a more affordable option for some clients. And all ClearOne services are backed by a 30-day satisfaction guarantee, not only demonstrating the company’s confidence in its debt settlement services, but also allowing you to cancel your service and get your money back if you aren’t satisfied with your service.
Disclosures
*ClearOne Advantage, LLC is a debt settlement company, not a lender, loan broker, creditor, credit services organization, or debt collector. ClearOne Advantage, LLC does not assume or pay any debts; receive, hold or control funds belonging to consumers; or provide bankruptcy, legal, accounting or tax advice. You should review full program terms and conditions before enrolling. To the extent that any aspect of the debt settlement services relies on or results in the consumer’s failure to make timely payments to the consumer’s creditors or debt collectors, the use of the debt settlement services: (1) Will likely adversely affect the consumer’s creditworthiness; (2) May result in the consumer being subject to collections or being sued by creditors or debt collectors; and (3) May increase the amount of money the consumer owes due to the accrual of fees and interest by creditors or debt collectors. Not available in all states. Some third-party fees may apply. C.P.D. Reg. No. T.S. 12-03822.
ClearOne Advantage is not a credit services organization and we do not make any claims regarding improvement of a consumer's credit scores. Entering into a debt settlement program could adversely affect your credit score.
**A ClearOne Advantage free debt relief savings estimate won’t impact your credit score. However, the company doesn’t make any claims regarding the improvement of a consumer’s credit score. Entering into a debt settlement program could adversely affect your credit score.
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