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Clear One Advantage In-Depth Review
In a nutshell: ClearOne Advantage is a full-service debt consolidation company that has over 10 years of experience.
Clear One Advantage In-Depth Review
In a nutshell: ClearOne Advantage is a full-service debt consolidation company that has over 10 years of experience.
Clear One Advantage In-Depth Review
In a nutshell: ClearOne Advantage is a full-service debt consolidation company that has over 10 years of experience.
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Overview

ClearOne Advantage is a full-service debt consolidation company that has over 10 years of experience helping those struggling with debt. Based in Baltimore, the company works helps its clients consolidate and pay off debt quickly and smoothly, creating a sensible plan that will allow them to become debt-free sooner.

Types of Deb Covered

The amount that you owe and where you’re located are both important in determining if you qualify for ClearOne. To qualify, you must live in one of the 22 states that they service and your debt needs to exceed $15,000. Their rates can range from around 20% to 25% of your total debt amount.

Application Process

ClearOne’s application process isn’t complicated. Start out by entering the total amount of debt that you owe and the type of debt that it is. Next, you enter details about yourself that may include your name, email address, home address, and the last four digits of your SSN. Your credit score will not be affected and trying the process is absolutely free. You will be contacted by a ClearOne debt specialist who will help you through the process after you’ve submitted all of your information.

Debt Services

ClearOne helps those with debts of $15,000 or more by providing personalized debt consolidation services. Their debt specialists can handle many types of debt, including credit card debt, medical debt, and collection debt.

Customer Support

ClearOne’s customer support has an excellent reputation and for good reason. The support team consists of hand-picked debt advisors with financial backgrounds who help clients navigate the complicated debt consolidation process.

You can easily reach a ClearOne representative by phone or by email. The phone lines are open Monday to Friday from 7:00 AM - 11:00 PM (EST) and Saturday to Sunday from 8:00 AM - 11:00 PM (EST). If you are outside of these hours you can also send an email and expect a swift response.

Another way ClearOne is helpful in the customer service department is with their resource center which includes FAQs, information about upcoming seminars, and even an education center that has educational articles. These resources can help you learn more about ClearOne’s program and debt solutions in general. With a financial decision this impactful, it’s good to know that ClearOne is there to educate you and help you through the process. With ClearOne, you won’t be navigating the debt consolidation process alone.

prosAndCons icon
Pros
  • Individualized plans
  • No upfront fees
  • Free savings estimate
prosAndCons icon
Cons
  • Not available in all states
  • Services can be costly
ClearOne Advantage at a Glance
8.2Editorial Score
Application process
8.0
Process is efficient, documentation requirements are reasonable, may require more detailed financial information
Customer support
9.0
Phone and chat support, Monday through Friday from 9:00 am to 8:00 pm EST, and Saturday from 9:00 am to 6:00 pm EST, email support
Eligibility criteria
9.0
No credit score requirement, no strict income requirement, operates in almost all states
Customer rewards
8.0
No upfront fees, 90-day money-back guarantee
Financial tools and resources
7.0
Debt relief and settlement, some educational resources available
What else should I know about debt consolidation loans?
How can I choose the best debt consolidation loan for my needs?
To find the best debt consolidation loan, you'll want to compare interest rates, fees, and repayment terms across multiple reputable lenders. Use online comparison tools and customer reviews to evaluate your options and choose a loan that matches your credit profile and financial goals. This helps you avoid hidden costs and secure the most affordable, reliable solution for your debt relief needs.
What is the best way to consolidate credit card debt?
A fixed-rate personal loan is usually best. Compare interest rates, fees, and repayment terms from multiple lenders to find the best deal.
Can I get debt forgiveness through consolidation?
Consolidation itself doesn’t erase debt, but it can simplify repayment. Forgiveness may apply separately for eligible public service or hardship cases.
Are payday loans eligible for consolidation?
Yes, many lenders allow you to consolidate payday loans into a single loan, potentially reducing the sky-high interest rates.
Is there debt relief for teachers or medical professionals?
Yes, many professionals in education and healthcare qualify for forgiveness programs, grants, or low-interest consolidation loans.
What is the difference between a debt consolidation loan and a management plan?
A loan is a new credit product used to repay old debts. A debt management plan is a structured agreement with creditors, often via a nonprofit, that helps simplify repayment without taking out new credit.
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