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Clear One Advantage Review
In a nutshell: Established in 2008, ClearOne Advantage is a U.S.-based debt settlement company offering no upfront fees, FDIC-insured escrow, and a personalized program. Clients may see their first settlement within an average timeframe of 3-4 months, although timelines can vary. Most clients complete their program in approximately 24 to 60 months, depending on debt and payment plan. A 30-day satisfaction guarantee is also included.
Clear One Advantage Review
In a nutshell: Established in 2008, ClearOne Advantage is a U.S.-based debt settlement company offering no upfront fees, FDIC-insured escrow, and a personalized program. Clients may see their first settlement within an average timeframe of 3-4 months, although timelines can vary. Most clients complete their program in approximately 24 to 60 months, depending on debt and payment plan. A 30-day satisfaction guarantee is also included.
Clear One Advantage Review
In a nutshell: Established in 2008, ClearOne Advantage is a U.S.-based debt settlement company offering no upfront fees, FDIC-insured escrow, and a personalized program. Clients may see their first settlement within an average timeframe of 3-4 months, although timelines can vary. Most clients complete their program in approximately 24 to 60 months, depending on debt and payment plan. A 30-day satisfaction guarantee is also included.
Overview
ClearOne Advantage helps clients settle unsecured debt by negotiating with creditors for reduced balances. Unlike traditional consolidation loans, clients make monthly deposits into an escrow account, and payments are only made once a settlement is accepted. The company has served over 170,000 customers and resolved $3 billion in debt. It holds an A+ rating from the BBB and is accredited by IAPDA and AADR.
Pros
- No upfront fees; pay only after settlement
- FDIC-insured escrow accounts
- Personalized plans with expert support
- Rated A+ by the BBB and accredited by IAPDA and AADR
Cons
Application Process
- Consultation: Free session with a Certified Debt Specialist.
- Enrollment: Agreement and setup of an FDIC-insured escrow account.
- Funding: Monthly payments begin accumulating.
- Negotiation: ClearOne contacts creditors to negotiate lower payoffs.
- Approval: You approve each settlement before any money is sent.
- Completion: Most clients complete the program in 24–60 months.
The program includes a 30-day satisfaction guarantee for penalty-free cancellation.
Debt Services
ClearOne provides debt settlement, not loans or credit counseling. They negotiate lump-sum settlements with creditors, often at significantly reduced balances.
This makes them a viable option for consumers facing high unsecured debts but unable to qualify for debt consolidation loans.
Types of Debt Covered
Eligible:
- Credit card debt
- Store cards
- Medical bills
- Private personal loans
Ineligible:
- Mortgages
- Auto loans
- Federal student loans
Customer Support
- Phone (Enrollment): 888‑335‑0896 (Mon–Fri 8am–10pm, Sat–Sun 8am–8pm EST)
- Phone (Existing Clients): 888‑768‑4767 (Mon–Fri 9am–8pm EST)
- Email: customerservice@ClearOneAdvantage.com
- Live Chat: Mon–Fri 8am–8pm, Sat 9am–6pm EST
- Client Portal: 24/7 access to account info and tools
AI was used in the creation of this content, along with human validation and proofreading.
Pros
- No upfront fees; pay only after settlement
- FDIC-insured escrow accounts
- Personalized plans with expert support
- Rated A+ by the BBB and accredited by IAPDA and AADR
Cons
- Not available in every U.S. state
- Credit score impact is possible
- Fees not published publicly
Our Top 3 Picks
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
Additional services
7.0
Debt relief and settlement, some educational resources available
FAQs: quick answers on debt consolidation
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