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ClearOne Advantage Reviews

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Edited by: Jon Bortin

About ClearOne Advantage

Founded in 2008 and based in Baltimore, Maryland, ClearOne Advantage is a debt settlement company that helps consumers with credit card debt. The company says its average program graduate completes their plan in 24 to 60 months.

Pros
  • 30-day satisfaction guarantee
  • Online chat for enrolled clients
Cons
  • Not available in all states

Helpful Reviews

Las Vegas, NV
Verified purchase
Lisa ** was so much help. She explained everything so well and made me feel at ease with my debt situation. I’m pretty confident moving forward with her and clear one. She broke d...

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Los Angeles, CA
Verified purchase
My experience with Vanessa was pleasant; she was kind in informing me about the changes regarding the creditor, explaining the reasons why—as I understood it—these changes would *...

Read more

Insights from 444 recent reviews of ClearOne Advantage

We used sentence-by-sentence statistical analysis to decode nearly 450 ClearOne Advantage reviews published on ConsumerAffairs in the past year. Read below about customers who were happy, satisfied or upset about the four topics mentioned most often in reviews of ClearOne Advantage.

ClearOne Advantage staff reviews

The 194 recent ClearOne Advantage reviewers who discussed staff focused on the personnel who facilitated their enrollment and managed their accounts. 100% of those customers were satisfied, tying ClearOne Advantage for first in staff among debt settlement providers on our site.

Many reviewers described company reps as informative, empathetic and committed to clients’ success.

“Mindi was an absolute professional,” said Steven from North Royalton, Ohio. “She went out of her way to make sure that my pay dates are going to coincide with my work paychecks. She left me her personal phone number in case anything arose that I need to get in touch with her with.”

ClearOne Advantage process reviews

ClearOne Advantage ties for first in process among providers on our site: 100% of 82 recent reviewers were happy or satisfied with the steps involved in the company’s debt settlement program, from sign-up to completion.

Reviewers praised a smooth enrollment experience, and some were impressed by how quickly they got started. Many reviewers appreciated that clear instructions and explanations were provided throughout the process.

ClearOne Advantage customer service reviews

70 recent reviewers of ClearOne Advantage mentioned customer service, and they largely reported positive experiences with customer service reps who were warm, attentive and solution-oriented. Many reviews described reps that went above and beyond to make sure customers felt informed and at ease.

Ultimately, more than 98% of recent reviewers were happy or satisfied with the support they received, ranking ClearOne Advantage third on our site for customer service.

ClearOne Advantage transparency reviews

Of 98 recent ClearOne Advantage reviewers who talked about transparency, 100% were satisfied or happy with the company’s open, clear communication. That ties ClearOne Advantage for first in transparency among debt settlement providers on our site.

Many reviewers appreciated that company reps gave thorough, plain-language explanations for each step of the debt settlement process. Cleveland from Frederick, Maryland, said his rep “expressed and explained in great detail to make it very simple for me to understand the whole package. … (He) made me feel full of confidence.”

ClearOne Advantage Reviews

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    How do I know I can trust these reviews about ClearOne Advantage?
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 17
    Verified purchase

    Reviewed May 27, 2026

    She done a good job. Very satisfied with her. She explained everything very well. She is a very good person. I like talking to her. She is very good at what she does at her job.

    Thanks for your vote!
    ClearOne Advantage
    Response from ClearOne Advantage

    This is wonderful news! Thank you so much for taking the time to share your experience with us! If you need any additional assistance, please call our Customer Loyalty Group at (888) 768-4767.

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      Verified purchase

      Reviewed April 20, 2026

      It’s been great. Thank you… I can see the light at the end of the tunnel. Pretty soon I will be debt-free. Thank you. I will recommend to my friends and family. Thank you again!!!

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      Thank you for your feedback, Orlando! We're thrilled to hear about your positive experience with us, we greatly appreciate your recommendation! If you need any additional assistance, please contact our Customer Service at (888) 768-4767.

      Verified purchase
      Staff

      Reviewed April 17, 2026

      My experience with Vanessa was pleasant; she was kind in informing me about the changes regarding the creditor, explaining the reasons why—as I understood it—these changes would *not* affect me in the future.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      Thank you for your feedback, Joanquin! We are happy you have chosen ClearOne Advantage for your debt free journey! If you need any additional assistance, please contact our Customer Service at (888) 768-4767.

      TechRatesHonesty & Transparency

      Reviewed May 8, 2026

      Horrible - do not use them! They took my money & lied to me about negotiating with creditors. Luckily I cancelled my contract before they got too much from me while destroying my credit rating. No idea why they have so many 5 star reviews but if you read carefully you see that many of these are about the initial intake with the company which is when they make promises that don't pan out. STAY AWAY!!

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      We have reviewed your concerns and can confirm all funds were managed per our agreements. Your draft cleared on 04/24/2026 and your refund on 04/29/2026 via ACH to your account on file. ClearOne Advantage is not a credit repair service, and it was clearly disclosed that the program may impact your credit score. The only funds withdrawn were monthly maintenance fees by Global Holdings LLC. Your cancellation is complete, and remaining funds were returned. We wish you the best.

      Customer ServiceRefunds & PayoutsStaffBillingHonesty & Transparency

      Reviewed April 30, 2026

      I was threatened when I pulled out of the program by their attorney. At first she told me she worked for one of the creditors I was paying, then the last phone call she informed me that she worked for ClearOne. Totally lied from day one. She made rude comments pertaining to my spending and not being able to pay my debts. I enrolled for help not criticism. They kept asking for more funds that I didn't have. Gave them over $250.00 a month for 4 years and ONLY $36.00 a month went to the creditors. The rest were fees! Over 4 years of payments and hardly making a dent with the creditors, I asked for a breakdown of payments. When I received breakdown, I pulled out. Very rude and unprofessional attitude. Threatened to make my life "hell". I sent the a cease and desist email to stop the threats.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      Thank you for sharing your concerns and for speaking with me. I’m sorry your experience with outside legal counsel did not meet your expectations. I am thoroughly reviewing your account and appreciate the emails you have provided. I have a meeting with my supervisor tomorrow and will discuss your concerns. I will follow up with an update once my review is complete. I understand that waiting can be difficult and appreciate your patience as I work toward a resolution.

      Verified purchase
      StaffTransparency

      Reviewed March 19, 2026

      Lisa ** was so much help. She explained everything so well and made me feel at ease with my debt situation. I’m pretty confident moving forward with her and clear one. She broke down all of the plan more than once and explained how much I would be paying which is really a drastic amount without any help. The explanation how she would contact debt collectors and banks was also very helpful.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      We appreciate your feedback, Ronald! We are so excited that you chose ClearOne Advantage to assist you in your journey to becoming debt free. If you need any further assistance, please feel free to contact our Customer Loyalty Group at (888) 768-4767, or email us at experiencematters@clearoneadvantage.com.

      Profile pic of the author.
      Customer ServiceSales & MarketingPricePunctuality & SpeedStaffBillingTimeliness

      Reviewed March 6, 2026

      Intial contact was friendly, very welcoming. An absolute bait-and-switch. Cancellation was mainly due to slow response times to inquiries and charging settlement fees in addition to the agreed upon monthly deposit, making payment into the program more of a hindrance than a "relief" during a time of limited income to begin with. After cancellation, now owe $4k+ for a "settlement success" fee. The settlement was for about 0.5% of the total balance. This doesn't even feel like it was even worth the time and is extremely unfair; beware! Recommend Freedom Debt Relief as the amount deposited monthly actually goes into an account that goes towards paying the settlement fees (FDR's paycheck) and the actual settlements, not requiring additional funds to be deposited.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      Our management team has reached out multiple times with no reply. Our flat fee is included in your drafts. The only way that amount would change is if additional debt was added to the program. You enrolled $26398.00 of debt across 2 accounts on a 54 month program. Regarding fees, as outlined in your enrollment agreement and in accordance with federal and state laws, COA only collects fees after a settlement is reached, approved by the client, and the first payment toward that settlement clears.

      Verified purchase
      Customer ServicePunctuality & SpeedStaffBilling

      Reviewed Jan. 26, 2026

      Communication has been scarce and when I do manage to get someone they either reply late to the online message or do not understand what I am needing therefore did not make the appropriate change needed in time. And now I am receiving a text message about how I missed a payment which was communicated about. Customer service does not help and are very hard to understand as well.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage
      Thank you for your feedback, Ms. Lopez, discussing your concerns with me is invaluable. As advised, changes to banking information or transactions require five days’ notice. I sincerely apologize that you were provided unclear information during your call to Client Services, this was reviewed as promised, and coaching was provided. Thank you for helping us improve our customer service, growth and improvement must be a continuous. For assistance, contact experiencematters@clearoneadvantage.com

      .

      Profile pic of the author.
      Contract & TermsSales & Marketing

      Reviewed Jan. 8, 2026

      DO NOT DO BUSINESS WITH THIS COMPANY. In two months they took over $1200 dollars from me and only paid $265 towards my debt. I have attached the details of all the money they took. I was told their fees would be taken after my accounts were SETTLED, not an agreement. I still have my debts and they have scammed and taken my money. The supervisor by the name of Michelle contacted me after I left a review to tell me if I would have taken my money out of my account before I canceled I would have received it back. But since I canceled it they took it and paid towards more fees. This place is a scam. I am a mother trying to improve my situation and this company made it worse!! Learn from my mistake and do it yourself.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      At ClearOne Advantage, we value our clients and are committed to providing a supportive and respectful experience. Although all activity on your account did happen according to the process, we understand your confusion in terminology. As a good faith gesture, we issued a courtesy refund and waived your outstanding fees. We’re pleased to hear you are satisfied with this resolution and consider the matter resolved. We wish you continued success on your journey to becoming debt free.

      Customer Service

      Reviewed Dec. 3, 2025

      Terrible company to work with, was on hold for hours today 12/02/2025, got hung up on multiple times, had to call back on hold again. They included another account that I didn’t authorize, so that account was closed. They denied it was them said I needed to contact creditors. Waste of time, but they did say that I could add money into my account if I wanted. WASTE OF TIME AND MONEY, DO NOT DONATE TO THEM.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      Thank you for the opportunity to respond. After an account review, I can confirm, no additional creditors were added to your program. I have provided your creditor list via email, as well as your Program Guide and as you can see the figures match. You can further verify this by logging into your portal. Should you need additional information or further clarification please feel free to respond via our email thread or experiencematters@clearoneadvantage.com

      Customer Service

      Reviewed Nov. 7, 2025

      Customer service is like talking to a 3rd grader. Trying to login using the codes sent to your email address is hit and miss. And try finishing this experience rating when they ask for a receipt! WHAT?

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      Thank you for providing a current email! A member our Customer Loyalty Group at (888) 768-4767 or experiencematters@clearoneadvantage.com will be reaching out to properly address your concerns.

      Customer ServicePunctuality & SpeedStaffBilling

      Reviewed Oct. 17, 2025

      My first settlement with one of my creditors under ClearOne’s program was exactly what I had expected when I joined: time was given to me to get money into my account, I was offered a settlement of 60% of the debt and was able to pay it off within 6-7 months. Unfortunately after this things went downhill. I received a text about another settlement offer but when I called to inquire, I was told this must have been a mistake because I did not have sufficient funds in my escrow. Later I learned that one of my creditors had very quickly turned two of my accounts over to a law firm, and the “competitive” offer both had for me was 80% of the debt. I had two different representatives working with me trying to get me to put “a little more funds” into my account.

      These “little more funds,” were roughly the equivalent of lump sum of $7000 plus increasing the monthly amount I had agreed upon by $100 a month, or a lump sum of $800 and an additional $450 a month for 20 months…which would be nearly double what I agreed to. I managed to settle one of them by putting up nearly $800 more and adding $100 a month to the agreed on amount, have since been pressured to give another lump sum of roughly $6000 or to add another $350 to my monthly payments. Frankly ClearOne has not seemed to know what to do with this situation and send mixed messages. On the one hand I am told I am in control and it is okay if I cannot add extra funds. But then others tell me that I need to “take action now to avoid further legal action!”

      Additionally I had a representative I was working with go on vacation and never leave an out-of-office memo, I received emails from ClearOne that clearly identifying who they were that I had to figure out, and one person telling me that an account was paid in full and another telling me it was not. This has been very disconcerting.

      I know some people have had good experiences, but based on my own experience I would never recommend them to someone else. They have caused me a tremendous amount of stress and taken up hours of my time as I attempted to sort things out. I still have many unanswered questions and am disappointed that this company has ultimately added to my stress rather than relieving it.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      We are sorry to hear about your recent experience. Please contact our Customer Loyalty Group at your earliest opportunity to discuss your concerns at 888-768-4767 or by email at experiencematters@clearoneadvantage.com

      Profile pic of the author.
      Customer ServiceStaff

      Reviewed Sept. 23, 2025

      I've been using ClearOne for 9 months. I didn't realize when I signed up that the only way to get any kind of settlement offered is to increase what I'm paying in. That was not made clear when I was sold on the idea of signing up. Secondly, in the 9 months I've been involved, I've never been able to log into the company's convenient portal consistently. Third, I've gotten calls on more than one occasion where the person's information was wrong in some consequential way. Like creditors that did not exist suddenly appeared in the system looking for settlements. Or my automatic draft almost doubling in size without my authorization. There seems to be too many moving parts for them to handle and it all makes me concerned about the decision I made to go with them.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      Thank you for your feedback. We would love to see how we can improve your experience. We will have a member of our management team reach out to you to discuss your program or you can feel free to email us at experiencematters@clearoneadvantage.com.

      Verified purchase
      Customer ServiceStaffRates

      Reviewed Sept. 19, 2025

      When I use the e-mail method to communicate with Clear One, the representatives take the time to do a lengthy response to address all the issues. They make me feel like they understand my sense of urgency. Very informative. They seem to take a real interest in my case.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      We appreciate your feedback and we're happy to hear that you've had a great experience. We are so excited that you chose ClearOne Advantage to assist you in your journey to becoming debt free. If you need any further assistance, please feel free to contact our Customer Loyalty Group at (888) 768-4767.

      Customer ServicePunctuality & SpeedRefunds & PayoutsMaintenanceStaffBillingRatesTransparencyResolution

      Reviewed Sept. 18, 2025

      Update: Funny enough, I looked at my email and Google review this morning and still haven’t seen any response or acknowledgment that my comment or email was even looked at. What’s interesting is that I did notice you took the time to respond to other people’s comments just two hours ago. So, I know you saw mine. Very interesting. ZERO Stars if I could.

      I am extremely dissatisfied with my experience with ClearOne Advantage. About a month ago, I received a letter stating that I was discharged from my payment program due to “nonpayment.” This was shocking because I had repeatedly called in advance to ask why payments were not being processed from my account. Most of my calls went unanswered. On the one occasion I did reach someone, I was told to schedule a callback, but no one ever followed up. When I contacted Global Holdings directly, they told me that ClearOne had to handle the matter.

      Instead of properly addressing the issue, I received a check for over $2,000 with a note saying I had been released from the program. Now, I’ve received a letter from M&M / Beal Properties claiming I owe $2,000+. This is a complete breakdown in communication and mismanagement of my account. There is no need to give me the standard “please contact us at ExperienceMatters@clearoneadvantage.com or customerservice@clearoneadvantage.com” response. I have already reached out through those channels, and I have yet to receive any meaningful response. In the past, ClearOne would at least call clients directly. Now, they either don’t answer at all or rely on email. I already receive far too many emails in a day, and I prefer a phone call to resolve serious issues like this. This entire process has been frustrating, unprofessional, and unacceptable. ClearOne needs to take accountability and fix the way they handle client accounts and communication.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      We appreciate you taking the time to share your feedback. Our management team has received your message and will be reaching out to you shortly to address your concerns.

      Verified purchase
      Staff

      Reviewed Aug. 23, 2025

      We have been very happy with ClearOne. We recommend this company to help people. Awesome to work with people. The people are very understanding. Do what it takes to have them create a great terrific result that provide every thing you need to accomplish your results.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      This is wonderful news! Thank you so much for taking the time to share your experience with us! If you need any additional assistance, please call our Customer Loyalty Group at (888) 768-4767.

      Verified purchase
      Customer ServiceStaffBilling

      Reviewed Aug. 7, 2025

      I recently spoke with Claire on how long my program is going to be before I ended it. With her help we came to the conclusion that I can end it in October with the monthly payments I’ve been putting in. We sent multiple emails back and forth to come up with calculations for this and she was super helpful in all of it.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      We are happy you have had such a positive experience Allen! Thank you for sharing.

      Verified purchase
      Customer ServiceTechPunctuality & SpeedBilling

      Reviewed July 8, 2025

      I had to call your company to tell you that my contract has been paid in full and to Stop withholding any more payments from my Auto Pay. During that call I had to tell you to make the Final payment to Capital One. Then, I had to follow up again to find out when I would receive my overpayment. I was told that you were waiting for the final payment check had to clear, since the first check Bounced. I should not have been to one telling you how to do your job!

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      We are so sorry to hear about your recent experience Anne! At your earliest convenience, please provide your contact information to ensure that our management team receives your review and addresses your concerns. Alternatively, you can contact our Quality Assurance department at experiencematters@clearoneadvantage.com

      Verified purchase
      CoveragePunctuality & SpeedStaff

      Reviewed July 7, 2025

      ClearOne was very helpful. Going into this program I had a lot of questions. They were very patient and explained everything to me. We were told what to expect when settling debt and upping your draft to cover certain settlements. We were able to graduate from the program early. Thank you ClearOne.

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      Thank you for your feedback Deborah! We are happy to hear your enrollment agent was able to answer your questions and you were able to graduate early.

      Ronald increased rating by 2 stars.
      Customer ServicePunctuality & SpeedRefunds & PayoutsStaffTransparency
      After a positive interaction with ClearOne Advantage, Ronald increased their star rating on July 1, 2025.

      Updated review: July 1, 2025

      Satisfied with the results of my conversation with their management team.

      Original Review: June 19, 2025

      Started out great. Got amazingly quick settlement offers. However, last month (May 25) they made an unauthorized debit from my bank account. I made immediate contact with their customer service representative on line. To shorten a long story, I have been given so much misinformation regarding their refunding me the amount of money that was debited. One day it was basically, we re sorry for the inconvenience and miscommunication. A full refund will be made to your bank account.

      A week later having not received the refund, I contacted them again. This time I was told that in fact the refund process did not happen because of an error. I was then reassured that the new request had been made, and I would be refunded the amount with in a week. Yup, you guest it, here we are a month later and still no refund. Today's contact with them indicates that they applied the refund to another settlement. I did not authorize that at all. Now, they are telling me that if I want the refund deposited back into my bank account, this would jeopardize another settlement.

      Bottom line, 1st it was an unauthorized withdrawal from my bank account, too nearly a month of assumptions by them to utilize the funds (which were not authorized) in a different manner than what I was told. In the meantime, I have had to deal with unnecessary financial hardships due to those funds being withdrawn and as to date still not refunded as I was assured would be the case. I sort of had a feeling things were moving a bit too smoothly with them.

      My advice is be cautious when enrolling with them in their debt relief program. While they are aggressive, and the customer service thus far has been good, make sure you follow-up and know what they are doing with "your money". And unfortunately, record everything they promise, and above all follow-up constantly until they fulfill what they say they will do. Lack of transparency and clear communication is my biggest complaint. I literally got three different stories regard this refund (which still has not happened). Good luck

      Thanks for your vote!
      ClearOne Advantage
      Response from ClearOne Advantage

      Thank you for taking the time to speak with our management team regarding your review, Mr. Messier. We greatly appreciate your feedback to help us improve your experience. At this time, your concerns have been addressed to your satisfaction. Should you need anything in the future please contact us at experiencematters@clearoneadvantage.com

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      ClearOne Advantage FAQ

      What is ClearOne Advantage?

      ClearOne Advantage is a debt resolution company offering debt settlement services. This means that the company will negotiate on your behalf with your creditors for a reduction in your debts owed. In exchange for its services, you’ll pay ClearOne Advantage a percentage-based fee once a settlement has been reached.

      How does ClearOne Advantage work?

      To work with ClearOne Advantage, you’ll first set up a free debt consolidation consultation with one of the company’s certified debt specialists. The specialist will help you set up an affordable monthly payment plan that’s typically 40% less than the minimum monthly amount you owe to your creditors.

      Once you agree to the plan, you’ll enroll in the ClearOne Advantage program and begin making monthly deposits into an escrow account. Once you have accumulated enough in your account, ClearOne Advantage will begin its negotiations with your creditors on your behalf.

      Once an agreement has been reached with a creditor, you’ll approve the terms before it’s finalized. ClearOne Advantage says that you could end up paying creditors less than 75% of what you previously owed, including fees.

      ClearOne Advantage says the first settlement is typically finalized in three to four months, and the total debt settlement process can take anywhere from 24 to 60 months.

      Note that there is no guarantee a creditor will agree to settle. And, since you need to stop making payments to creditors during the negotiation period, you’ll incur interest and late fees on those unpaid amounts. Ensure the risks are worth it before pursuing any debt settlement program.

      What services does ClearOne Advantage offer?

      ClearOne Advantage can only settle credit card debts and store cards. Secured debt, such as mortgages, auto loans and home equity loans, are typically not eligible for debt settlement services.

      ClearOne Advantage does not offer bankruptcy or credit counseling services. It also does not offer any legal support should a creditor decide to sue you for nonpayment.

      How much does ClearOne Advantage cost?

      ClearOne Advantage does not publish its fees online. Fees can vary depending on your debt amount, type of debt and credit score.

      There are no upfront fees, and you won’t pay until a settlement has been arranged with a creditor and you’ve agreed to the terms.

      Does ClearOne Advantage have a money-back guarantee?

      ClearOne Advantage says it offers a 30-day satisfaction guarantee. Also, you will not pay any fees until after a settlement has been agreed to with your creditors. However, ClearOne Advantage does not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. As well, there is no guarantee that creditors will agree to settle.

      Do I need a hardship to use ClearOne Advantage?

      Yes. With any debt settlement program, you need to stop paying your creditors in order to establish financial hardship.

      Will using ClearOne Advantage hurt my credit score?

      Yes, debt settlement requires you to stop paying your bills in order to negotiate your debt at a smaller amount, which can ultimately harm your credit score. It can take several months or even years to rebuild your credit after debt settlement.

      Is ClearOne Advantage legit?

      ClearOne Advantage is a legitimate debt settlement company and an accredited member of Consumer Debt Relief Initiative. It says it has helped over 170,000 clients settle over $3 billion in debt to date and offers a 30-day satisfaction guarantee. Its escrow account for your deposits is insured by the Federal Deposit Insurance Corporation.

      Still have questions?

      ClearOne Advantage Company Information

      Company Name:
      ClearOne Advantage
      Website:
      www.clearoneadvantage.com