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ClearOne Advantage

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3.1

Overall Score

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LAST UPDATED: March 27th, 2024

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.

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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:

  1. Consultation with a Certified Debt Specialist
  2. Enrollment in ClearOne’s debt settlement plan
  3. Make your first monthly payment into the program
  4. 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.

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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.

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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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Star Rating

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2.6

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95 Reviews

Review Breakdown

5 grade

29%

4 grade

9%

3 grade

1%

2 grade

6%

1 grade

54%

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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!

5 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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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.

4 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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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.

5 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

5 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.

7 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!

7 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.

9 years ago

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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

6 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.

9 years ago

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Mae O. Manassas, VA

You all helped me when I needed it most - for that I will always be greatful. Thank you all so much - I already recommended you all to my sister!

7 years ago

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mark Winnetka, CA

it really feels good to finally be out of debt. even got some money returned in the end,. thank yal!!!!!!!!!

6 years ago

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James Wiggs

Thanks to Clear One my problems with my credit has been greatly improved. Phone calls has gone away.

6 years ago

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Delia Gonzales Dallas, TX

She was friendly and did not talk down to me. Put my mind at ease and was quite comfortable talking to her.

9 years ago

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Lydia Salisbury, MD

Always helpful, reassuring, and are good coaches for reassuring that things are good with your account.

9 years ago

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Donny B

Glad my wife and I chose Clear One..... not really sure were we'd be right now if we hadnt..

6 years ago

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S.L. Robinson

Great company... would recmmend to anyone that needs help with their credit cards!

6 years ago

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Joan Morra Manassas, VA

FINALLY DEBT FREE THANKS TO CLEARONE! THANK YOU ALL SO MUCH. -JOAN

7 years ago

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phil Kalamazoo, MI

I had a big weight lifted off my shoulders after talking to you people

9 years ago

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Connie S. Las Vegas, NV

Very good customer service. Very helpful

6 years ago

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Mary Twumasi Mckinney, TX

Great

9 years ago

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william yavorsky Fenton, MO

Everyone i talked to has done a great job

9 years ago