ClearOne Advantage Reviews

If I could give zero stars I would. Stay away from them. They only want your money. I paid 33 months $347 and a lot of that money went to them not the creditor. Their staff push and push and say just what you want to hear when you are in trouble and need help. I am stage 4 cancer and cannot afford $347 a month and they greatly pushed me to continue the program after me saying NO NO NO. I need my money for my healthcare and THEY COULD CARE LESS. They also told me in the beginning I would have minimal damage to my credit - LIE. This program damages your credit greatly. I'm sure a lot of their "5 stars" are set ups and not real cases. DO NOT USE THIS COMPANY!

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.

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!!

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.

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!!!

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.

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.

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.

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.

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.

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.

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?

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.

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.

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.

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.

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.

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.

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!

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.

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

This started out with me sending a doable amount of money every month. But every time they reach a settlement they want more cash. I will continue with the program only because I am too far into it to back out now. But if I had it to do over again I would have just filed bankruptcy. This program may work for some people but for me it has been a nightmare. Basically what I am saying is if I would have had the kind of money they want I would not have needed them to start with.

Customer Service is Horrible once they have you!! I can never get through via email or phone call and no one ever calls me back or responds to my emails! I have been with them for a year now, if you think after some of your debt is paid off you will be able to settle more without paying more think again! I am trying to get a debt settled that was not in the original negotiations because I'm worried about being sued but they could not guarantee anything and of course wanted more money just to negotiate!!

I joined ClearOne Advantage on February 14, 2024, after speaking with a representative who assured me that if I stopped paying my credit cards and enrolled in their program, my credit would go down temporarily but recover within 6 to 12 months. They promised not to take fees until they had successfully settled accounts. That did not happen.

I spoke with Jeremy ** and he was one of the best customer service reps I have ever spoken to. I really, really need this so I hope that by calling this number from the only piece of mail that I got that day really was a sign of fate! I have never done anything like this, I was really thinking about just letting everything go into collections so I would have money to take care of my family with what little money that we have left but Jeremy made me feel like there was hope! I just started, so they have just started "negotiating" so I can't say whether it's really working or not but I pray it will. I will update once I know what way it's going. But I can thank Jeremy at least so far for the wonderful phone call. The rest now is up to them to keep their promise to me. Please do. Marcia **, Kids & Titan.

Total scam. I ended up settling my own accounts after they collected the fees but didn't negotiate any settlements. Would never recommend!! Communication with this company is terrible. As a consumer, just negotiate your own deals with creditors.

Horrendous experience. Was lied to by Noah. I have been paying Clear One a few months now. My fico is down 180 points, credit trashed, and Chase still says I owe them in full. One of the worst decisions I’ve made in my life and no clue how I will recover at my age. Stay away.

I thought this program sounded too good to be true, but I was wrong. This program has been such a relief for me. I felt supported throughout the process. They answered all of my questions and concerns. They worked around my hectic work schedule. I am especially grateful for the consolidation!

I was unclear of a charge they were enrolling me in, so I accepted it. It was a medical charge I had no idea about and had insurance to cover at the time. I'm enrolled in less than 10k total. Every debt collectors I talk to said they have not been in contact with them and even if I do pay through them it will stay on my credit score. So I wanted to cancel and pay collectors directly. They had taken more than 2k over the past few months and none of it has gone to my debt. It all goes toward their "service." So I can't get a refund and not a dime had gone to my debt... This had been the biggest con ever. I could have paid that toward creditors and raised my credit score. But now it seems like I just paid for nothing.

The rep I encountered was very nice and professional. However I feel that there was misleading information to trick me into joining. I am really not sure how the program works and it’s been almost 3 months. The portal doesn’t show anything but payment history. I only picked one account to be apart of the program. Also I feel the fees they charge are ridiculous.

They are not at all transparent with the settlement fees you pay. I'd been better off not destroying my credit and to pay the little debt that I had using tax return as they didn't settle the biggest one. Makes me sad my credit's destroyed and I'm paying just as much by the time I pay the fees. Aadlynim not trapped for another 2 years. I've been in the program for just over a year.

I would like to express my sincere gratitude for the honor and privilege of speaking with your agent, Joseph **. During our conversations, he has been knowledgeable, patient and his direction and insight into the resolution and handling of my financial situation has removed an enormous burden from my shoulders. I know that I will be able to sleep easier and that my mind is clearer so that I can move forward proactively.

The agent was very pleasant to talk to. He explained everything that needed to be explained. He didn't Talk down to me or was not condescending. He was an excellent agent and I'm very satisfied. He also answered all of my questions without hesitation and he had a lot of knowledge.

Clear One Advantage is an upstanding professional company that is working alongside me towards becoming debt free! Their staff is friendly, professional, prompt, and judgement free. I highly recommend them. It took less than an hour to complete the entire process - it’s worth every minute. Don’t delay, make the call and feel the financial burden begin to lift away. My debt will be gone in 36 short months!

Chris was professional and very helpful. He was able to get our credit card debt down substantially. This will really help us out for future. He was polite and professional. Would recommend him for future clients. He was able to add on my husband information also. I’m hoping this will help us get debt free. He took his time and explained the details to us.

I can't say how much Yessika helped me.. I recently was faced with a complete upheaval of my life.. My partner of 14 years filed for divorce out of the blue... I had to quickly change everything about my life and was extremely upset, her kindness and warmth and understanding was everything I needed!! She was more than patient and assured me all the way through that help was available!!! I can't thank her enough and feel like I have a new lease on life now that I see relief ahead..Thank you ClearOne for hiring great people like Yessika...

It is my judgement that Kaycee ** is an outstanding agent of Clear One Advantage. She demonstrated an exceptional knowledge of what the company had to offer. Not only was she patient but made sure I understood each phase as we went through the program. Thank you again. Great Job!

I spoke with Carey and he was very informative of the process, and answered all questions thoroughly. All of the information he explained was in the paperwork he emailed to me, and it helped me understand the process better. I look forward to working with this company to help me with my debt settlements.

Awesome experience! I had my doubts about the program but everything was explained clearly to me and now my doubts are gone! Excellent service! Customer service is amazing and I will definitely recommend to everyone I know with debt problems! Thank you so much for this program, it’s amazing! Has to be the best program I’ve ever heard about!

Chad was a huge help and clear with all the information about consolidating my debt. He answered all my questions. Chad was very professional during the whole phone conversation. I am always skeptical about giving personal information over the phone. He wasn’t all about gaining my business and got to know more about my personal life along with sharing his personal experiences. Chad also did not make me feel bad about my credit score being so low and or my financial situation.