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ClearOne Advantage Debt Relief Review


ConsumersAdvocate.org Rating: 4.7 / 5 (Excellent)
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ClearOne is a full-service debt relief provider that specializes in helping those with large amounts of unsecured debt. ClearOne’s solution is a debt relief plan designed to fit their customers’ needs and budgets and help them get out of debt in the shortest amount of time.
 
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How is ClearOne Advantage rated?

Breakdown

4.8/5
Reputation
4.8/5
Qualification
4.5/5
Pricing & Fees
4.7/5
Services

Overall Rating: 4.7 / 5 (Excellent)

ClearOne Advantage offers full-service debt settlement solutions for individuals struggling with unsecured debt like credit cards and medical bills. The company delivers an outstanding overall customer experience and a range debt negotiation options that can be tailored to their clients' particular needs and budgets. ClearOne customers can rest assured they will be paired with a compassionate and knowledgeable personal debt consultant that will guide them through every step of the settlement process. Although the company also provides resources and information regarding debt consolidation loans, credit counseling, and bankruptcy, they do not offer those services themselves and the details they provide about said alternatives is rather one-dimensional. Nevertheless, ClearOne Advantage seems to be among the top debt settlement providers in the industry, enjoying overwhelmingly positive customer ratings across multiple consumer review sites. If you are searching for a legitimate, trustworthy company to help you negotiate your debt and start on the road to greater financial freedom, ClearOne Advantage is a safe and reliable option.

ClearOne Advantage Services

Services - 4.7 / 5

ClearOne Advantage solely offers debt settlement or debt relief services, which are intended to reduce the amount of a client's debt without them having to resort to bankruptcy or accept unfavorable debt consolidation loan terms. Their application process is quick and straightforward, where prospective clients simply contact the company, provide details about their particular financial and credit situation, and promptly receive a personalized debt settlement plan they can adjust to their budgets. ClearOne’s trained, experienced, and certified debt specialist will then guide the customer through the entire debt settlement process and negotiate with creditors on their behalf. The program length will vary from one client to the next and be contingent upon their ability to meet the monthly draft amount agreed upon at the start of the service, yet will generally range from two to four years. ClearOne customers can track their progress through the company's online portal and adjust the monthly draft amounts depending on their financial status in any given month.
Services Offered
Debt Settlement
Estimated Debt Reduction
Not Listed
Program Length
24-48 months
Additional Benefits
Personal Advisor

Qualification

Qualification - 4.8 / 5

Although quite forthcoming about the terms of their service agreement, ClearOne Advantage fails to provide further details with regard to the qualifications required for someone to participate in their program. Neither does the company does state which types of debt they support, but it can be assumed that all unsecured debt will be accepted. Generally speaking, debt consolidation companies are more likely to work with individuals struggling with a large amount of debt who may not qualify for debt consolidation but are still able to make minimum monthly payments towards the settlement of their debts.
Debt Solutions For
Personal Loans
Medical Bills
Business Debt
Unsecured Loans
Credit Cards
Excluded Debts: Secured debt such as mortgages and auto loans.

Pricing: How much does ClearOne Advantage cost?

Pricing & Fees - 4.5 / 5

In compliance with Federal Trade Commission rules, ClearOne advantage forgoes charging clients any type of fee until they are completely satisfied with and have approved at least one settlement. Furthermore, they extend a 30-day full satisfaction guarantee that allows clients to cancel the service and receive a complete refund of the balances in their accounts minus fees earned by ClearOne from successful settlements already approved by them. If the customer does not see savings from the first settlement, they can request a refund of all fees paid to the ClearOne and immediately terminate the contract. One potential drawback about working with this company, however, is that they have been known to charge fees of up to 25% of the total debt amount, which is slightly higher than the average 21%.
Up-front Fees?
No

Sample Program

Estimated Program Length
48 months

Reputation

Reputation - 4.8 / 5

ClearOne Advantage is a BBB-accredited business with an A+ rating based on 18 customer reviews and a minimum number of complaints for a company of its size and nature. They also hold a 9.5 out of 10 customer satisfaction score with Trustpilot.com, where they have received 84% positive feedback from clients impressed with their thoughtful, professional services. Further bolstering the company's reputation is the fact that they are an accredited IAPDA service provider as well as an accredited member of the American Fair Credit Council. ClearOne Advantage also complies with FTC rules and their dedicated accounts are insured by the FDIC for up to $250,000.

Company Details

Number of Accounts Settled
200,000
Amount of Debt Settled
$0

Compliance & Accreditations

AFCC Membership
Accredited Member
IAPDA Accredited
Yes
FTC Compliant
Yes

Online Reviews

BBB Rating
A+
Number of BBB Positive Reviews
6
Number of BBB Neutral Reviews
1
Number of BBB Negative Reviews
11
Date Collected
2018-01-08

Contact & Additional Information

Homepage URL
https://www.clearoneadvantage.com
Headquarters Address
1501 S. Clinton Street Suite 320, Baltimore, MD, 21224
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Free consultation, 100% Confidential

  • Fast and easy application process
  • No upfront fees
  • One-on-one evaluation with a debt coach
  • Become debt-free in 24 to 48 months
  • For people with $7,500 in unsecured debts and up
  • Rated A+ by Better Business Bureau
  • AFCC Accredited
  • Resolving debt since 2009
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