ClearOne Advantage is a debt resolution and settlement company headquartered in Baltimore, Maryland. ClearOne Advantage provides full-service debt settlement services to customers with credit card debt and other forms of unsecured debts. If you are dealing with secured debt or are interested in other debt relief solutions, you'll need to consider another company.

ClearOne Advantage boasts superior debt negotiation services and customer service. ClearOne Advantage will help tailor each individual customer's debt relief program to their unique financial situation.

The debt relief company has wiped out millions in debt since opening doors in 2007. While ClearOne Advantage hasn't been in business as long as other companies, it has considerable experience and accreditations. Additionally, ClearOne Advantage requires that customers have a minimum of $10,000 in outstanding debts to qualify for its debt solutions.

Unfortunately, ClearOne Advantage lacks transparency and has a high potential cost. Take a look at the top debt relief companies to find one that suits your needs.

Continue reading for more information, as well as ClearOne Advantage reviews.

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Personal Debt Settlement Consultant

ClearOne Advantage understands that one customer's financial situation will be entirely different than any other customer.

Because each customer can have any number of unsecured debt problems (credit card debt, medical debt, student loans, etc.), ClearOne Advantage assigns one debt settlement consultant to each customer.

Customers won't have to worry about explaining their situation to different consultants every time you ask for an evaluation or progress report. Additionally, assigned consultants are much more likely to be invested in your financial relief options and concerns than a complete stranger to your case.

Experience

Between AFCC, IAPDA, and FTC accreditations, ClearOne Advantage demonstrates a serious commitment to providing top-level expertise and customer care.

This is especially important to highlight because most companies have only one or two of the major accreditations. Having all these major accreditations shows this ClearOne Advantage's dedication to providing the best financial services and practices possible.

Free Consultation

As is expected with any debt settlement company, ClearOne Advantage offers a free, no-obligation consultation. This allows consumers to analyze their circumstances with an expert and hear about available debt relief services.

It's important to take advantage of the free consultation to learn more about cost information, how a debt settlement plan works, how long it takes, and the risks involved. You can also ask questions during the consultation to see if a settlement program is the best fit for your situation.

Debt Settlement Process

Debt settlement clients choose to stop making any monthly payment on their debts. Instead, they deposit money into a separate bank account to be used to pay settlements with each creditor.

The debt settlement company will negotiate with each creditor to reduce the total amount of debt clients owe. Debt settlement companies do not charge until all of the enrolled debt has been settled with each creditor.

Because debt settlement clients stop making monthly payments, their credit score drops. This can have some short-term consequences, so you should have a plan to rebuild your credit before having a company settle your debt.

It's also worth noting that settled debt is marked as settled on your credit report. When looking at your credit report, people can see that you did not pay all of your debts in full.

While there are risks and disadvantages when choosing a debt settlement program, it can be a better alternative than bankruptcy.

Positive Reviews

Customers have expressed strong approval of the no-cost consultation and the quality customer service, overall courtesy, accessibility, responsiveness, knowledge, and professionalism of ClearOne's customer service representatives.

Repeated themes in customer reviews highlight how ClearOne Advantage employees made them feel comfortable and understood. Many satisfied customers also stated that they would recommend the company to their friends.

Accreditations

ClearOne Advantage has all major industry accreditations including AFCC, IAPDA, and FTC. Accreditations give customers the assurance that a debt settlement company is keeping standards and practices set by each accreditation organization.

The two most important accreditations are the International Association of Professional Debt Arbitrators (IAPDA) and the American Fair Credit Council (AFCC). ClearOne Advantage is accredited by both the AFCC and the IAPDA.

ClearOne Advantage Disclaimer

The ClearOne Advantage disclaimer clearly spells out the important policies and services that are and are not covered.

For example, ClearOne Advantage is a debt settlement company, which means that it does not provide debt consolidation services.

Additionally, ClearOne Advantage does not provide credit repair services, credit counseling, investment advice, or tax debt services. It does not provide services "repairing, modifying, improving, or correcting credit entries or credit reporting."

The disclaimer also stipulates that ClearOne Advantage's debt settlement program is not available in all states, does not involve an upfront fees, and does not charge a fee until after all debts are settled.

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The Bad

High Minimum Debt Requirement
Lack of Transparency
ClearOne Advantage Cost

High Minimum Debt Requirement

ClearOne Advantage requires potential customers to enroll $10,000 of debt or more. This is a higher minimum debt requirement than the industry average.

Some customers who would otherwise qualify will have to find a debt settlement company with a lower minimum debt requirement.

Lack of Transparency

There are some important pieces of information that ClearOne Advantage does not disclose on its website, including exact pricing and state availability. This lack of transparency makes it difficult for potential customers to decide whether or not ClearOne Advantage is the best debt relief service for them. However, people who are interested should take advantage of the free consultation to learn more about ClearOne Advantage's process.

ClearOne Advantage Cost

ClearOne Advantage doesn't disclose its cost. Debt settlement companies do not charge upfront fees per rules from the Federal Trade Commission. You'll pay the company for its services once it has settled your debt. The average cost for a debt settlement company is between 20 and 25 percent of your total debt. If ClearOne Advantage is anything like the rest of the industry, it will charge between 20 and 25 percent.

This means that you would end up paying only about 70 to 75 percent of your total debt amount.

If you find that ClearOne Advantage charges less than 20 percent of your total debt, you'll know that the company has very low prices. Try a free consultation to determine what your approximate fees might be.

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The Bottom Line

ClearOne Advantage does not disclose pricing which makes it difficult to compare to other companies in the industry. We would like to see more transparency.

In addition, its debt settlement program is only available to consumers with over $10,000 in unsecured debt. Like many companies in the debt settlement industry, ClearOne Advantage does not provide debt consolidation, credit repair, credit counseling, investment, or tax debt services. If you're interested in other debt relief solutions such as debt consolidation, you should consider other companies.

However, the company has many positive customer reviews and is accredited. ClearOne can help customers reach a more stable financial situation through settling debt from student loans, credit card debt, and other types of unsecured debts.

Before signing up with ClearOne Advantage, explore other debt relief programs to be sure that settlement is a good fit for you as you begin the path of becoming debt-free and enjoying financial well-being.

Because of ClearOne Advantage's breadth of services and quality of customer service, we recommend ClearOne Advantage as long as customers meet their higher debt requirement and do not mind the company's lack of transparency online.

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User Reviews

Star Rating

2.6

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90 Reviews

Review Breakdown

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31%

4 grade

10%

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Vanessa Santiago Beverly Hills, FL

PLEASE DON'T SETTLE WITH THEM 😡😡👎👎👎 I'm just another unsatisfied customer who got ripped by this company. They were so nice with me, "understood" me, and answer quickly any call or message . Now, the man that closed the settlement, never has answer me again ; NOBODY returns or answers the messages or emails. I was going to give them a BIG FAT ZERO, but they negotiated 2 REALLY-REALLY SMALL accounts. I've been there since the first week of October 2022, my credit score went down drastically, and I have 3 accounts they haven't negociate. I wish I had the money to settle this by myself, but they took advantage of my desperate situation. 🤷‍♀️That's why they told me NOT TO ANSWER any calls of the creditors.🤦‍♀️ That's why Justin wanted me to review the company the same week, but I don't do that. I wait to see the results.

1 month ago

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Jt Baytown, TX

This was the dumbest decision I have ever made. Enrolling in this program. I haven’t been able to get an apartment or a car, it’s been over a year since I enrolled. Nothing was as expected. This is one of my biggest regrets of my life, top 2. First they make you default on your payments to get started, they told me I had to stop on at least 2 months — I was so apprehensive, I should have listened to my gut, but they have superb sales tactics. After you enroll, it is very difficult to get someone to talk to, last time I tried, it took 4 hours. Also, they settled one of my debts without my consent or knowledge. Still don’t know what is being done about this, it’s so hard to communicate with them. Also, their proposed settlement comes out to about even from when I first started the program bc of the debt, interest, and penalties I incurred from the required nonpayments. I spoke to other people in similar situations and they dealt directly with their creditors to work out a minimum payment that they could afford. You don’t need to do this program — it’s made my situation so much worse 😔

3 months ago Edited February 7, 2023

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Tina Hope, AR

I have been in the program since April 2018. They have settled 5 of my 10 accounts. The first account they settled was my highest balance account. I have read other reviews about not being able to reach them by phone, yes that is difficult. Email does take a few days but, just stop and think about how many emails they must receive, they will get back with you. Try live chat they are very fast and extremely efficient. I have been very satisfied with every aspect of my experience with Clear One Advantage. They have taken so much pressure off of my family by dealing with the creditors for us. We wish we had not reached the point where we needed this type of service. But, due to circumstances beyond our control that is where we ended up. They have done everything they told me they would do!

4 years ago

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Diane Cook Paoli, PA

I dealt with Adam M. who was extremely helpful and professional. Ultimately, we decided not to go this route. They spent a lot of time with us Adam M., Customer Service and a few negotiators. The process began, including our initial check that was deposited. We contacted two weeks after the process started as we want to try to get out of this ourselves. They couldn't have been nicer - of course our next suspicion was we wouldn't get our money back: It was returned the next day less a nominal, totally fair processing fee of about $7. I researched and saw some negative things, however, my research showed me things I wouldn't be comfortable with; that's the key your handing it over to them, they are experts but it's a long process and there is uncomfortable push back and some consequences ..ClearOne explains all the scenarios and will answer anything they can, and much like the out of control situation some things cannot be controlled, however, they anticipate and strategize on your behalf. I appreciated all of their help.

6 years ago

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Chris Kelley Port Saint Lucie, FL

I could write a medium length dissertation on why to avoid this company. Take my word for it, run for the hills. I've been around the block. I'm experienced when it comes to credit and money management. I had a bad financial situation and health issues and decided to go this route. They are dishonest, unethical, and verging on immoral. Seek another alternative. Review is asking me to submit how much money that the company saved me but there should be a humongous asterisk next to that because of their unreasonable fees which they take out before they start paying your creditors.

3 months ago

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Keith Snyder Shamokin, PA

I honestly have no complaints. I signed up with the program in April 2017 and in August of 2019 I was offered a loan to pay the remainder of my debt at the same payment I was making to clear 1. Yes the interest is high, as some reviews have complained about, but what do you expect. All the negative reviews I read could have been avoided had the people listened to Clear 1 associates in the first place. My personal experience was nearly painless, thank you Clear 1.

3 years ago

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JC New York, NY

Laura helped me every step of the way, from the initial call, to the understanding of the paperwork, and the "what comes next" questions that I had! She was truly professional, warm and friendly, making me feel at ease with my decision. I honestly expected to feel a bit judged for what I needed to do, but Laura didn't make me feel that way at all. She was great, and I would highly recommend your company to anyone who needs a little less financial stress in their lives.

6 years ago

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Karenza R St Louis, MO

You would think that the COA fees was a percentage of what the settlement amount is for but instead different percentage amounts for each bank that was being settled. Like one account I ended up owing $1651.61 and they charged me a fee of $678.50 over 40% of what the settlement was then another account my highest settlement was for $10256.40 and the COA fee is $2913.50 which is about a 28.4% so how are they coming up with these percentages?

7 months ago

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MKB Livingston, TX

I just talked to someone yesterday about settling my debt issues. Sidney was just wonderful--very articulate, helpful, and pleasant. I feel so much better after talking to him! If I change my mind about this company I will come back and write another review, but so far, I'm very pleased with the service.

4 years ago

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Diann Barnhart Shippensburg, PA

When I call yes Iam on hold but I do get to talk to someone their staff is very friendly Iam glad I went with them the only thing I wish is I wish they could move a little faster on settlement but other then that I don't have a problem with them

4 years ago

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Anonymous Erwin, NC

Over the years, I have dealt with the Customer Service industry more times than I can count. The service with ClearOne is at the top of my list. Every time I called, the individual who helped me was knowledgeable, respectful and efficient. I can say enough about them.

6 years ago

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Raymond Huttemann

I'm glad there's company's out there like COA. They got me out of the hole I was in because of my own making. From the beginning they explained how the plan was going to work in ways that is easy to understand and that it fit my pocket book. i would recommend them to anyone that was in the same boat as I was.

6 years ago

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Darlene Hopkins Battle Creek, MI

I talked with Will who made me feel very comfortable. He Explained everything and answered all my questions, including the questions that came up after that first call. Hopefully, going forward my concerns will be alleviated as money accumulates in my account. I am a new customer so time will tell but I would not hesitate to refer friends and relatives to Clear One.

7 years ago

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Maria Santa Ana, CA

Don't think any of the reviews are true. Here's mine. They're great at the beginning and you think you're good until you realized that not all companies have to work with them. I ended up getting sued by one of the creditors during the program and I pretty much did my own negotiations for other companies that didn't want to take part. So in the end, I got screwed and was in a worse place than when I started.

8 months ago

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Erika North Hollywood, CA

When I signed up with the program it was a relief from the calls from the creditors. Collection representatives that had been rude to me suddenly wanted to work with me again. They settled 4 of my accounts and I was very satisfied despite the high fees they charged up front first before settling the actual account. Unfortunately after two years my experience turned sour. Your debt is assigned to multiple representatives and they do Not communicate with each other. They began to settle many accounts at the same time to the point where they began to demand that I deposit more money into my account. I could not afford to put more money than my monthly payment as I was not employed. I reached a point where it was getting hard to meet my monthly payment so I called them to see if I could lower the amount and possibly extend the length of the program, but they were not flexible. When I ran out of money I cancelled my program and no one reached out afterwards. I was missing 2 letters acknowledging that i had settled 2 accounts and when I called to get them they were extremely rude and hung up on me. I filed a complaint with the better business bureau in their home state and within a few days I received the letters that I had requested. I didn't sign up with any other company after this experience instead I once again reached out the creditors I had left and worked out low monthly payments with them. When you explain that you are low on funds and this amount is what you can consistently give some not all representatives will work with you. The ones that didn't I waited a few days before calling again and again until I reached someone that did. I documented all my attempts to settle my debt just in case they wanted to take me to court. I had proof that I was not neglecting my debt and had been co operative. It's 2022 and I am down to my last creditor. Overall I would not recommend ClearOne Advantage to others based on my experience.

1 year ago

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DAVE Jefferson City, MO

i DELT WITH ISRIAL W THIS EVENING GREAT PERSON TO TALK TO ANSWERED ALL OF MY QUESTIONS ASSURED ME THAT THEY WERE NOT A SCAM COMPANY EVEN WENT TO THE BBB AND CHECKED THEY ARE NOT. I AM LOOKING FORWARD TO CLEAR ONE ADVANTAGE GETTING ME OUT OF THE DEBT MESS I AM IN RIGHT NOW.

4 years ago

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caryol wichert Big Lake, MN

I am very impressed with Clear One. They worked very hard to contact my debtors and then helped me set up a repayment plan I could work with. All the representatives were very kind and went the extra mile to help me.

6 years ago

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Anon

clearone made me feel like I was family and got me out of debt quicker than i ever could have on my own. ive recommended them to friends and would not hesitate to continue to do so!!!!

6 years ago

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Cynthia Cartagena

Joshua H was extremely helpful in walking me through the entire process. Encouraged me to ask any questions about the program and was very knowledgeable in all aspects of the program. Great service from beginning to end.

6 years ago

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Roger W. Los Angeles, CA

They got me out of debt in less time than their original estimate, and I saved more than they originally projected. Not much more I can for! Thank you all for helping me when the banks would not!

6 years ago

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jeri heckathorn

ClearOne has been so awsome in helping me. I appreciate that they call me to see if I have any questions and keep me updated about my account. Very kind people. I have peace of mind going with them to help me. Thank you.

8 years ago

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tom Caddo, OK

the people i talked with were very friendly and knowageable. noelle is very good at explaining the process of the debt reduction and i would recommend at this time the clear one team to anyone needing help with debt reduction

8 years ago

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Drew Evans Cypress, TX

DO NOT RECOMMEND THIS PROGRAM. Wish I could give no stars. They took money from for years for a creditor that 1) they didn't reach out to and 2) that had already settled the amount without them involved. I now cannot get in touch with anyone or receive a phone call back. They took thousands of dollars from me and are being very deceptive when it comes to refunding my money. This company is very unprofessional and deceitful. DO NOT USE THIS COMPANY.

11 months ago

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CeeStyle Port Saint Lucie, FL

I don't know why the company is telling people to post positive reviews. Must be cognitive dissonance. Employees of this company must be in denial or delusional. This company has deceptive sign up practices. This probably is due to people being on commission. They will charge you 25% fees on all of your settled debts so if you had a credit card that had an APR of 15%... Well, you do the math. Sure, the overall balance may be lower but you aren't going to be saving much after all those fees. Also, they don't tell you that you're holding account charges you a monthly fee, they also charge you check fees, they also charge you phone fees. Want to contact someone, you're going to get voicemail. Leave a message, you won't hear anything back. Write an email, maybe 4 days will pass before you receive a response. Your accounts are settled? Great! You may have to do the settlement process on the phone three times before it "takes". Representatives have a nonchalant "it's all good" when it's not good at all. Are you good at credit and finances? They won't be impressed.. they will act like they know more than you. I'm still in the program and I get upset about it almost everyday.. check out the better Business bureau complaints. Check out the better Business bureau one star reviews. they are multiple, multiple detailed paragraphs from poor people that have suffered because of this company. Then check out the five star reviews. Consist of one sentence. Maybe too. These five star reviews were probably left after they signed up with the initial "recruiter". And don't get me started on the negotiators... They think they earn 25% of your money for being on the phone for 6 minutes with a credit card company? This is what happens when corporate greed takes over. If you can't pay your credit card bills, just let them lapse for a few months and your credit card companies will reach out to you trying to work out an agreement. You will be better off. You may get harassing calls everyday but eventually, they will come to some sort of settlement or agreement. As for this company, it needs reform. Needs better management. It needs to lower its fees. It needs to be more transparent. It needs to cut out the bogus phone fees and check fees. A lot needs to improve. Stay away. Take my misfortune as a lesson for you. Really shortly, here is my experience. I tried to contact them via email, they take 5 days to respond. I have to repeat myself all over again. I call on the phone, I get a voicemail, I leave a message, no one gets back to me. I tried to log in with their online portal and my email address doesn't work for 4 months. I write five separate times saying it's still not working. They say they are working on it. They are not working on it. I get an email saying that I have a settlement offer. I reject the settlement offer saying that the percentage is not good enough. I get another letter saying I have a settlement offer when they did not receive my original response saying that I rejected it. Then I get a good offer, I accepted, I go on the phone with the negotiator and do the settlement process. It's recorded on the phone. It does not take. It does not go through. We have to do this all over again two or three separate times. I finally get all of my account settled which is great however, on my major account that is the majority of my debt, they only saved me a total of $756. now, add up all of the phone fees, the check fees, and the monthly fees for the holding account, and I'm going to wind up owing more on that account than I did to my credit card company. The only way this company could make it up to me is if they split their fees in half and took away the check fees. Who in 2022 sends paper checks to credit card companies? This can all be done electronically. STAY AWAY or get out of it's been less then 30 days since you enrolled BUT make sure you get it in writing that your account was canceled and you were refunded. As for me? Wish me luck.

1 year ago

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Naomi Walker Ft. Pierce, FL

Lets start with the 100% money back guarantee. THIS IS A TRAP! No debt can be settled in 30 days if you're not ALREADY 90 days behind on the debt. Even then it's borderline impossible, so a 30 day guarantee is a way to provide a false sense of security while they pocket the change. After speaking to an attorney, it was made clear that I was avoiding the laws of common sense. They also say if you don't see a savings on your first account... well it's easy to do it right the first time. It was the SECOND one that made me question (explained below). With 8 accounts being submitted in July of 2021, they were very excited to call us daily to confirm our interest in their program. Since July we've just received our 3rd settlement payoff (it's March so 7 months later) and they're having "trouble" processing that. Between the 2 that have been settled we've saved roughly a couple hundred dollars with one of the accounts netting a savings of $7 after they took out their FEE for the "negotiation". I'll let you determine if it was the first or second... On my enrollment package they show an estimation of over $15k in savings, but at this rate, they are going to have to work MIRACLES to settle the remaining accounts and meet that goal. They have you pay a large payment monthly to build the account where they'll take their fees and the money to pay off the other bills. It may buy you time but not enough to outweigh the fees you'll pay. All of this to still incur the credit damage and constant calls from creditors. If we had done it ourselves, we would be in the exact same position just without an annoying middle man that calls 4 times a day for 1 authorization and then escalates each call to have someone tell you that their phone operators don't know how long it takes to process one authorization, so we need to do it three more times just in case... I will send you the recording if you don't believe me. If you're gonna take on the debt, be prepared to have the conversations with the creditors. It'll ACTUALLY save you time and money. ClearOne Advantage gives you a false sense of security when you're stressing to pay bills; with incredibly drawn out results (lingering on the time your credit is being destroyed), and then take the majority of the settlement difference to pay themselves. Ultimately, you could just settle yourself and pay them directly as I did in the past. I wish I had done that this time, but now I know. If you've ever settled a collection/debt in the past then you already know you can. Do it again when you need but don't pay someone else to do it for you. You don't win.

1 year ago

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Paige Patton Hargis Fayetteville, AR

BEWARE DO NOT SIGN UP WITH THIS COMPANY. NO MATTER HOW BAD YOU FEEL YOUR SITUATION IS THIS COMPANY WILL MAKE IT WORSE. THEY LIE MISLEAD AND ARE DECEPTIVE. THERE WILL BE NO SAVINGS, THEIR GOOD FAITH ESTIMATES ARE NOT EVEN CLOSE THEY ARE LIES. THEY POCKET MORE MONEY IN FESS THAN THEY PAY TO CREDITORS THEY WILL SETTLE OVER AMOUNTS ENROLLED, YOU WILL END UP SUED. THEY COMPLETELY IGNORE AMD NEGLECT CREDITORS WHILE THEY TAKE THOUSANDS IN FEES. ITS SICKENING. THEY HIDE THE SETTLEMENT INFO AT TIME OF AUTHORIZATION, THEY WANT YOU TO BELIEVE YOU ARE APPROVING WHAT THE PROJECTION WAS,, NOT THE REAL SETTLEMENT. THIS COMPANY NEEDS TO BE THOROUGHLY INVESTIGATED AND HELD ACCOUNTABLE FOR THE DAMAGE THEY DO TO A INDIVIDUALS FINANCES AND CREDIT. WHAT EVER YOU DO, DON'T ENROLL WITH THIS COMPANY. YOU WOULD BE BETTER OFF WITH BANKRUPTCY, NEGOTIATING ON YOUR OWN OR DOING NOTHING IS BETTER THAN PAYING THESE CROOKS.

1 year ago Edited September 6, 2022

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Phyllis Bowman Winston-Salem, NC

Don't listen to the lies!! I started with Clear One in July 2020. They drafted 201.00 for a year. Out of the 2412.00 that I paid in - they made one settlement with Capital One. Capital One was paid 5.00 a month for a total of 55.00. I was refunded a little over 900. That was just sitting in the account. They started out telling me that I didn't have any money in my account 3-4-5 months. They took their fees first. I asked them to contact my creditors and was told that I didn't have any money in the account and that they wouldn't do that. I have lost 1600.00 dollars. Go with American Financial Solutions - I don't know why I didn't call them first. I won't do it again! I have filed a complaint with the Attorney General.

1 year ago

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Cølin Cølin Indianapolis, IN

Don't fall for it. This company, and any other credit settlement company, is part of a parasitic system that preys on consumer fear and ignorance. If you find yourself in debt, stop making payments, tear up scary notice letters (which is, by the way, the same thing that COA will ask you to do once you enroll) and start saving as much money as you can. Their process is to wait until accounts are charged off, so they can "negotiate" with collections agencies. It behooves COA to get a high amount settlement so their 25% fee is higher for each account. Their contract states that as soon as you make even a SINGLE payment on that settlement, their service and accompanying fee has been rendered in full. No refunds, see ya later, don't let the door hit you on your way out. The negotiation process that they charge THOUSANDS for is the same process you would do for yourself, by sending a registered Debt Validation letter to your creditors. The forms for these letters can be found on the internet, and advice for this process can be found on reddit.com. Search for "Debt Validation Letter" and go from there. The process will cost you the consumer $5 for registered mail plus the cost of paper and ink. Often these days, credit collections agencies that have bought your debt for pennies on the dollar will contact YOU offering settlements, because they want even just a slight return on their investment. The original creditor has already written off the loss for their taxes. Long story short,STAY FAR FAR AWAY, save your money, and do this yourself. You can handle this problem on your own without the predatory sales agents of this parasitic company coercing you into signing away years of your income to pay exorbitant fees for something that is essentially free to you.

3 years ago

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S C. Sauls Hawthorne, CA

Not easy to contact with questions. Especially if your not on EST. Your on hold at least 30 minutes. (There is an option to be called back but your still waiting). After one year and one month I was offered a loan through New Credit America. The interest almost put me back at the original amount of my debt but I just want to get it over with! Now I'm being contacted by creditors that the payment has not been sent as agreed and that can be considered breech of contract. But I have been making payments to Clear One for over $300 for 14 months. I do not recommend them.

3 years ago

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Bhug Denton, TX

Do not work with this company. When I started to work with this company all of my payments to my creditors were up to date. I foreseen the hardship that I was going to come to and called clear one. They advised me for $934 a month they could consolidate and get all my accounts closed. They did not contact any of my creditors to advise them I was consolidating my debts. They called me after 5 months advising me I would need to put $5k in my account or one of my creditors would go to collections. In 5 months they have only made 1 agreement with 1 out of 4 creditors for a payment plan. I have given them over $4k and they say there is not enough money in the account to pay the payment plan they agreed to. Now it has been 6 month and one creditor has gone to collections and another has filled a lawsuit against me due to the fact clear one never contacted them. I called them to advise I would not be doing any further business with them and I was advised since they made a settlement with 1 of my creditors that I would owe the the full amount for the settlement. This company is a joke. I wish I had found these reviews prior to hiring this S#!T company. Do not go with this company. They are criminal.

3 years ago Edited September 14, 2021

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Unsatisfied customer Herriman, UT

ClearOne is no good. When I first started with them they told me a 2 to 4 year plan and a monthly payment I have been paying for almost 2 years and they barley made a dent in my debt. I get a call that I qualified for a new program with new America credit which is a 3rd party loan place that they will get all the funds up front pay my debt and I will make payments to them. I get the contract and I finally see their fees for ClearOne which were astronomical I called due to one of my creditors don’t allow to speak to debt consolation companies and I had to pretend on the phone they were a friend to get it settled and I called about the fee since I had to do most of the leg work and I got know where to have the fee reduced I call every day and oh someone will call you back and I never hear a response. They don’t work well with understand issues or situations that arise and will pass the buck as soon as possible. I was on a 4 year plan and been paying for 2 years now moving to their third party company they are tacking on another 5 years so instead of a 4 year plan I am in on 6 year plan and no movement. This is not a good company and unfortunately I am stuck but if I can save anyone from this is recommend it

3 years ago

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David Lockhart, TX

Clear One Advantage is a scam!! Stay away from them!! I was lied to by there representatives. They told me that I would not have to fall behind in payments and signing up with them in their program would not effect my credit. After three payments had been withdrawn from my bank account and I realized my accounts were going into default. I called them and cancelled my account with them without having approved any settlements with any of my accounts. One month later and I still have not received my refund of $967.00. I continue to call the customer relations and they continue to give me the run around and they lie to me and tell me it’s processing and should be in my account within 3-5 days. So furious!! They are liars and misleading!!

4 years ago

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WMA St. Petersburg, FL

I responded to a web link from a google search for assistance with my debt. The next day they started bombarding me with phone calls and text message asking me to respond to a telephone number that didn't work. I have credit monitoring and learned immediately did a hard inquiry on me without any warning damaging my credit further. When i stated to whoever was texting me that I wanted to speak to a manager regarding the matter as the telephone number did not work I received a response stating "Contact Discontinued. Thanks" I have filed a complaint the Consumer Federal Protection Bureau seeking damages.

4 years ago

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Alicia Robillard West Bend, WI

SCAM.. Do NOT trust this company. We were with them just under a year and now we are worse off than we were before signing up with them. I sent all letters to them from credit card companies like we were told and they did NOTHING with them. So then I was sued by 2 companies. After ignoring one offer from a different company I am now told they request the full balance. Then I found out that CO did a stop payment on a check for one of our accounts which in turn cancelled our settlement and now that account is charged off and they want the full balance, of course this was after CO took all there fees. And I am sorry but taking $1000 in fees and paying less than $100 on an account is ridiculous.

4 years ago

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JennyChaco Huntsville, AL

Do NOT get involved with ClearOne. This is a SCAM!!! I would give no "stars" to ClearOne. I paid them up to $450/month for 19 months and they settled ONE account. That's over $7,000 that was scammed from me. Communication with them was difficult. They would send email after email (every hour) saying they wanted to communicate with me, but I would have to hold on the phone forever when I tried to call them. I finally told them to text a number I could use to call them back. Nine times out of ten they didn't have an offer at all. They did not meet my expectations as was laid out in the beginning of our relationship. Their fee was 25% of EACH account. By the time the debt was reduced and their fee was added, the amount I owed was often more than it was when I turned it over to them. I fired them and had to file bankruptcy.

4 years ago

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Ana Garcia Bell, CA

They literally ruined my life! I had excellent credit but I was overwhelmed with too many bills a month and I left my job to be a student full time and tend my daughters while my husband took on the full load. They took advantage of that and sold me a freaking paradise. Well fast forward 6 months later I am getting sued by two of my creditors when I was assured that won’t happen. Plus when they finally reach a settlement with one creditor I finally see that they keep 25% for themselves. They don’t tell you that lol they avoid the question as long as possible. I cancel with them and ask for my remaining balance which they said of course will be returned to me. I get off the phone and receive two separate emails of two separate withdrawals they are gonna do from that account stealing MORE money from me. Ow they don’t answer my calls or respond to my Emails. DO not do this program, please. Save yourself. Save up money and do the settlements yourself.

4 years ago

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Chandni Sugar Land, TX

worst experience of my life. They conned me into signing up and then I cancelled the next day. They kept calling me and tried to take money out of my account. I called my back and showed them proof through emails with me trying to contact the customer service rep who was so quick to get me in but wouldn't respond when I wanted to cancel. They are horrible. I had all my debt paid off by my family members and now I can't use my cards. I just found out that this jerks called all the companies and I can't use my cards until these dope heads send them a letter saying that they had NO permission to do that since I had already cancelled with them the following day. These people suck! DO NOT GO WITH THEM!!

4 years ago

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Jim Owings Mills, MD

Excellent 'SALESMANSHIP", then your are trotted off to the Customer Service gits that are never, ever on the same page, do not even know which book they should be on(if they are even on a book) or even the same room, same time frame or same state or planet. What is the path to Hell paved with..? The one star reviews are out of pity. Then you get the CSR that get their kicks from mentally abusing you for your vulnerabilities (financial of course) and maiking you jump through flaming hoops over flaming pits- the entire process is nearly a constant blaze- to get anything done. Guess what, nothing gets done. That being said, my account never ever got off the ground. Had to sign the same form six times (I stopped at six) and attempted to fax a document 33 times, all failed. Went into the office with the documents and....spoilers, the whole thing got ruined and up the spout. Reddest flag ever to GET OUT! If those are not warning signs that they cannot perform simple office tasks- HOW IN SOD can you trust them to settle debts? Are they savants, negotiating geniuses that hold staplers to their ears and cannot figure out the function of a paper clip. I did not want to stick around to find out. IF you have all the time in the world to watch them like hawks, the patience of a holy saint and are not picky about the truth... try them AT YOUR OWN RISK. If not, life is too short to mess with this company.

5 years ago Edited September 14, 2021

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Kathy

Great customer service you have a great staff Mia Chapman was so kind and made me fill so much better she took care of everything she great thank you KSR

5 years ago

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Rob Silver Spring, MD

RUN....DONT WALK...RUN from this company. They have a wonderful sales pitch but once the program begins you realize that if they reach a settlement on an account they collect 25% of that settlement as their fee upfront before paying the creditor. I had a $14k settlement in May 2017 and as of today ClearOne has collected $2600 for their fee and the creditor has been paid $200. They do this same process for every debt they settle. They tell you they will resolve your debt in 33 months or so but that is impossible when they keep taking their fees up front. It is impossible to build your bank account when they continually collect their fees and then they call wanting you to add more funds to your account so they can pay off creditors more quickly.....this would be funds in addition to the agreed upon monthly deposit when you begin the program. Additionally, they only correspond with one creditor at a time and they ask you not to speak with your creditors. The problem is that if I don't speak with my creditors and they are only approaching them one at a time as they settle, most of your creditors are unaware of your participation in this program. They quickly point out in all of the 21 pages of disclosures that they do not offer legal advice. However, you will need legal assistance when your creditors have not heard from you nor ClearOne Advantage....and they sue you in court. This company practices predatory business procedures and should be shut down. Again, RUN FROM THIS COMPANY....I wish I had seen a truthful review like this before we got taken for $2600.00.

5 years ago

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Sally Jean New York, NY

I was in terrible debt. I didn't have enough money to pay my monthly charges. Clear One Advantage was a great way to have my debt reduced. Thanks to Clear One.

6 years ago

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Vincent Cecere East Northport, NY

I look forward for clear one advantage to help me get out of credit card debt and would recommend clear one advantage to anybody who is trying to get out of credit card debt.

8 years ago

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Deborah Goodyear, AZ

I am very satisfied with the customer service. Everyone is always eager to answer any questions I ask. And, most importantly, they give me answers that I understand. Not "beat around the bush" answers. Thank you!

8 years ago

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JU Roxboro, NC

I was able to get my questions answered no matter what they were. I was cared about and even though i an in a bad situation This company has reassured me in my beliefs that there are companies out there that truly care about the customers. This company makes you feel like you matter.

8 years ago

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Brad Van Brauman Albuquerque, NM

IF I COULD RATE THEM A -50, I WOULD! I ADVISE YOU TO STAY FAR, FAR AWAY FROM THESE PEOPLE! THEY ARE CROOKS WHO CARE NOTHING ABOUT YOU AND I AM ABOUT TO REPORT THEM TO THE BETTER BUSINESS BUREAU! THEY ARE LIARS AND TAKE ADVANTAGE OF THE MOST VULNERABLE PEOPLE! SHAME ON THEM!

9 months ago Edited August 5, 2022

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Kammann Kammann-Cirinelli Denver, CO

I thought about using them to help with a few things hanging on my credit but I ran in some financial issues and was not able to move forward so I called left very specific reasons for not being able to complete my sign up which I was reinsured that if something came up ALL I HAD TO DO WAS CALL AND THERE BE NO ISSUES!: NOT ONLY WAS A PAYMENT TAKEN OUT BUT 4 PAYMENTS AND 2 $1.00 CHARGES OVER $60 DOLLARS AFTER I CANCELED SO BE AWEAR OF YOUR BANK FUNDS WITH THIS COMPANY! THEY LOST MY SERVICE PERIOD!!! TRUST ANYTHING AND EVERYTHING!!!

1 year ago

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Sonia Zoeller

Do not use ClearOne Advantage they do not negotiate with all creditors at once meanwhile creditors sue you and take you to court. I had two such creditors do this I ended up having to pay the creditors more than the original debt. ClearOne Advantage take their 25% fees more than payments on settled debt. Their accounting and reporting is terrible I have been trying for three months to find out where an additional $500 was applied to. If you can go somewhere else.

1 year ago Edited September 27, 2022

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Zoey K. Irvine, CA

Clear One Advantage messed up with my account, while I was making on-time payment to them for years, they were not transparent ( or kept lying ) they missed payment to my creditor and had to go through the settlement process 3 times, they damaged my credit , worse than bankruptcy. they should not be allowed to stay in business , I am sure I am not the only victim of their deceitful lies.

1 year ago

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Shelley Sexton Lawton, OK

I have been very frustrated using this company. No updates, ever, then they call and want me to take a debt consolidation loan. I had received a letter from the credit card company offering a lump sum payment and called them since I had been paying for a while and they claimed my account was short, gave me a run around and did not attempt to negotiate a payoff. Everything is about “ graduating” from the program, but I am still making payments with no results and no accounting of what is going on. Do not use them!

1 year ago

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M. Nielsen South Bend, IN

Don't even want to give them 1 star, please do not fall into the trap of this debt relief company. They are in it to make money and do not care about getting you out of debt at all. Most 2 years in with them they had paid themselves over $8000 and I was sued by 3 credit card companies and they settled some accts with payment arrangements of only $5 a month while I paid ClearOne over $1000 a month . Steer clear and do your research.

1 year ago Edited May 25, 2022

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