Disclosures

ClearOne Advantage Reviews

  • 4,773,172 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.
+1 more
Author picture
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

Featured Reviews

Henderson, NV
Verified purchase
Amy's contribution to my debt consolidation journey at Clear One Advantage was invaluable. Her blend of expertise, empathy, and enthusiasm not only made the process smoother but a...

Read more

Coon Rapids, MN
Verified purchase
Absolutely blown away by the speed and ease of the process. The agent I dealt with truly cared about me and my situation. 110% would recommend to anyone in need of financial help....

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

Filter by Rating

  • (358)
  • (7)
  • (6)
  • (6)
  • (18)

Popular Mentions

    How do I know I can trust these reviews about ClearOne Advantage?
    • 4,773,172 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Top reviews
    • Top reviews
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    How do I know I can trust these reviews about ClearOne Advantage?
    • 4,773,172 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 5
    Profile pic of the author.
    Staff

    Reviewed Dec. 23, 2024

    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...

    Thanks for your vote!
    ClearOne Advantage
    Response from ClearOne Advantage

    Shannon, thank you for sharing your heartfelt experience! We're so glad to hear that you received the kindness, patience, and support you needed during such a challenging time. Providing relief and reassurance is at the heart of what we do, and it’s wonderful to know that you feel a sense of hope and a fresh start ahead. We’re grateful for your trust and are here to support you every step of the way!

    Not sure how to choose?

    Get buying tips about Debt Settlement delivered to your inbox.

      By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

      Thanks for subscribing.

      You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

      Verified purchase
      Staff

      Reviewed Dec. 12, 2024

      I’ll start by stating Latavea is a treasure and you should do everything in your power to keep her happy and make sure she never leaves you. All my issues are with your program. If not for Latavea, I would not have enrolled. I realize these issues are industry-wide, I have rejected dealing other firms with higher customer ratings than you. It is bad business not to give customers adequate time to review the lengthy and convoluted signing papers. Even when signing, the document skipped directly to required signatory spots so that I had to scroll back to read what you are asking me to sign.

      This is taking advantage of desperate people in a situation caused by prior bad discussions. The caveat that I may cancel after I sign does not excuse pressuring me to sign unread legal documents. In addition, I would feel more comfortable if your fees were partially based on performance, not just my initial debt. I am risking everything on your ability to perform as promised without some incentive for you get me the best possible deal.

      Thanks for your vote!
      Verified purchase
      StaffTransparency

      Reviewed Nov. 18, 2024

      I was overwhelmed and distraught by my debt, but Israel ** explained your program to me and gave me the relief I needed. He walked me through every step and made sure I understood and was comfortable with my decision. He was thorough, courteous and a pleasure to work with. He is an asset to your company.

      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 or email us at customerservice@clearoneadvantage.com and we will be more than happy to assist you!

      Verified purchase
      StaffTransparency

      Reviewed Nov. 18, 2024

      I was really impressed with the way Matthew handled me because I’m real skeptical. He was really patient. Walked me through every step, I contacted two other companies and ended up calling Matthew back. Because he took the time to explain every single thing in detail to me and my wife. I ended up calling him back. He talked me through everything that I was tripping on. I felt extremely comfortable given him my personal information and I didn’t with the other two companies that I contacted. I appreciate it a lot for someone to talk me through something to the point to where I can understand it. Thank you matthew.

      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 or email us at customerservice@clearoneadvantage.com and we will be more than happy to assist you!

      Verified purchase
      Staff

      Reviewed Nov. 18, 2024

      I had the pleasure of speaking to Malcolm **. Malcolm was very helpful and knowledgeable. As far as my options, he helped me through all the steps of the difficulty of trying to get loans. He made different suggestions and was very helpful and understanding. It was easy to inquire information from him. Malcolm was very personable and courteous and sensitive to my needs and issues, he is a person that I will definitely deal with again if I have to pursue anything further with the ClearOne Advantage. Malcolm is definitely a great addition to your company. Thank you, Yolanda **.

      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 or email us at customerservice@clearoneadvantage.com and we will be more than happy to assist you!

      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 ServicePricePunctuality & SpeedStaffBillingProcess

      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 ServicePunctuality & SpeedStaffTransparency

      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 ServicePricePunctuality & SpeedStaffRatesTransparency

      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 & PayoutsMaintenanceStaffBillingLoan ProcessProcess

      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.

      Loading more reviews...

      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.

      ClearOne Advantage Company Information

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