ClearOne Advantage Reviews
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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.
- 30-day satisfaction guarantee
- Online chat for enrolled clients
- Not available in all states
ClearOne Advantage Reviews
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Reviewed June 5, 2025
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.
We are so sorry to hear about your recent experience Lynn! One of our Quality Assurance representatives will be reaching out to you shortly.
Reviewed May 28, 2025
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!!
We are so sorry to hear about your recent experience Orlando! 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

Reviewed May 27, 2025
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 paid $4,926 in fees—yet only one debt was settled. The rest remained untouched. My credit score fell into the 400s, and I’ve been left to deal with the long-term consequences on my own. I contacted the company multiple times and even filed a complaint with the BBB, but got no meaningful resolution. I’ve also reported them to the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB). Please think twice before working with ClearOne Advantage. I trusted them with my financial recovery and instead ended up worse off.
Ms. Harris enrolled in a 54-month program, with (10) accounts. At the time of her cancel request, she had (5) active settlements and (1) satisfied. With regard to her concerns about COA fees, pursuant to her enrollment agreement and federal and state laws, COA only collects its fees after a settlement has been reached, approved by the client and a payment has been made. Canceling the program does not negate the client’s obligation to pay the success fees earned.
Reviewed May 23, 2025
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.
We appreciate your feedback. Your insights are valuable to us and we're eager to explore how we can enhance your experience. If you'd like to discuss your program further, please feel free to reach out to us at experiencematters@alpersteinlawfirm.com We're here to assist you.
Reviewed April 24, 2025
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.
Thank you for taking the time to speak with our management team on 4.24.2025 regarding your review, James. Upon reviewing your account, you successfully graduated from our program 5.27.2022 with completed settlements for the two enrolled creditors, and received your refund of your Global Holding account balance after your accounts were expedited. It was a pleasure to be able to addressed your concerns. If you need anything in the future, contact us at experiencematters@clearoneadvantage.com
Reviewed April 18, 2025
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.
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.
Reviewed Feb. 17, 2025
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!
Amy, thank you for your positive feedback! We're thrilled that the program has been a relief for you and that you felt supported throughout. We're glad we could accommodate your schedule and that the consolidation has been beneficial. We appreciate your support and look forward to continuing to assist you!
Reviewed Feb. 1, 2025
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.
Thank you for your feedback. We would love to see how we can improve your experience. We have attempted to reach you but have not been successful. At your earliest convenience please contact us at experiencematters@clearoneadvantage.com
Reviewed Jan. 31, 2025
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.
Thank you for your feedback. We would love to see how we can improve your experience. We have attempted to reach you but have not been successful. At your earliest convenience please contact us at experiencematters@clearoneadvantage.com

Reviewed Jan. 28, 2025
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.
Thank you for your feedback Mindy! 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 email us at experiencematters@clearoneadvantage.com
Reviewed Dec. 31, 2024
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.
Julia, thank you for sharing your heartfelt experience! We're thrilled to hear that the agent provided such exceptional patience, and support. Knowing that the interaction has brought you peace of mind and clarity is incredibly rewarding. We’re here to help you every step of the way as you move forward with confidence. Your trust means everything to us!
Reviewed Dec. 29, 2024
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.
Thank you for sharing your experience Judy! We're delighted to hear that the agent provided clear explanations, treated you with respect, and answered your questions with confidence and expertise. Your satisfaction is our top priority, and it’s wonderful to know that the interaction was so positive. We’re here to support you every step of the way!
Reviewed Dec. 28, 2024
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!
Thank you for sharing your positive experience Marie! We're thrilled to hear that you're on the path to becoming debt-free with the help of our friendly, professional, and supportive team. It’s wonderful to know the process was efficient and left you feeling optimistic about your financial future. We're honored to be part of your journey. Here's to a debt-free future! 🌟
Reviewed Dec. 27, 2024
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.
Thank you for sharing your experience Kimberly! We're delighted to hear that you received professional and helpful service, with clear explanations and meaningful results. It's great to know you're feeling optimistic about becoming debt-free. We appreciate your recommendation and look forward to supporting you on your journey to financial freedom!

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...
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!
Reviewed Dec. 23, 2024
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!
Thank you for your kind words Floyd! It's wonderful to hear that you had such a positive experience. Having someone patient and knowledgeable walk you through each step of the process can make all the difference. We’re delighted to know you feel well-supported and informed. If you have any further questions or need assistance, don’t hesitate to reach out. Great job indeed!
Reviewed Dec. 21, 2024
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.
Thank you for sharing your positive experience Falicia! We're glad to hear that your concerns were addressed thoroughly and that the provided information helped clarify the process. It's great to know you feel confident moving forward, and we look forward to assisting you on your journey toward resolving your debt. If you have any questions or need further support, don't hesitate to reach out.
Reviewed Dec. 20, 2024
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!
Shawn, thank you for sharing your experience! We're thrilled to hear that all your doubts were addressed and you found the service clear and helpful. Your kind words about the program and customer service mean a lot to us. We're delighted to have been able to assist, and we appreciate your recommendation. Here's to a brighter financial future!
Reviewed Dec. 19, 2024
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.
Thank you for sharing your feedback Melchor! We're happy to hear that our team provided clear, professional guidance throughout your debt consolidation journey. It's important to us that you feel comfortable and confident, especially when discussing personal information. We appreciate your trust and are here to support you as you work toward improving your financial situation. If you have any more questions or need assistance, don't hesitate to reach out!
Reviewed Dec. 19, 2024
Amber was great!! Took a long time to get enrolled but she was understanding and really helpful and we finally finished up! Amber thank you for your patience. I’m mostly grateful because I’m always busy. I think I had the longest enrollment but it was worth it. Thank you
Thank you for sharing your experience Anna! We're so glad to hear Amber was able to provide the patience and support you needed throughout the enrollment process. We understand that life can get busy, and we truly appreciate your dedication in seeing this through. Amber and the entire team are here to help you every step of the way as you work toward becoming debt-free. If you need anything else, feel free to reach out!
Reviewed Dec. 18, 2024
I have used this method in my early years! I was digging myself in a whole by getting more loans and more payments going out plus the interest was hurting me! I couldn’t keep up! Brian from your Your company very understanding, very patient and extremely helpful with the process! I feel better that we will be able to handle our finances in a way!! I’m very grateful!
I'm glad you reached out and shared your experience! We're thrilled to hear that your enrollment agent was able to assist you with understanding the process and providing the support you needed. It’s great that you feel more confident in handling your finances now. We’re here to help you every step of the way on your journey to becoming debt-free. If you ever need anything else, don't hesitate to reach out!
Reviewed Dec. 17, 2024
Don did an amazing job taking the time to make sure all of my questions were answered clearly. I would definitely recommend him and I am trying to think of anyone I know that might need your services. I would be glad to send them your way. Until then I can't wait for the program to start so I can get this debt under control.
Carrie, we’re thrilled to hear about your positive experience! It’s wonderful to know that all your questions were answered clearly and that you feel confident recommending our services to others. We're excited to help you get started on your journey toward managing your debt, and we're here to support you every step of the way! Let us know if there's anything else we can assist with.
Reviewed Dec. 16, 2024
My experience was superb and very, very very warming, knowledgeable, understanding, professional, and friendly in depth had a great time with the representative counselor and would recommend her to friends and family. Just a great job. explain every aspect of the company explain the depth the contract and how it works and what to look forward to having knowledge on how to improve my credit status.
Thank you, Charles, for sharing your wonderful experience! We’re thrilled to hear our team provided warm, knowledgeable, and professional support while guiding you through the process. It’s great to know you feel confident and informed about the program and its benefits. Your recommendation means a lot to us, and we’re here to help whenever you need!
Reviewed Dec. 14, 2024
Amber is absolutely awesome. She did a perfect job helping me get exactly what I needed done. I am definitely going to be recommending this to all my friends so that they can get help. Just like I got especially recommend Amber. She was very helpful and was able to explain absolutely everything about the program and was able to give me recommendations on what would work best for me in my situation.
Your recommendation means a lot to us, and we’re so glad we could assist you in getting exactly what you needed. If you have any further questions or need additional support, please don’t hesitate to reach out.
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.
Reviewed Dec. 10, 2024
Explained everything in detail for total understanding of how everything works. Great communication. I look forward to feeling like I can breathe again. Thank you so much for taking the time to explain and set up my account. I would recommend the program to anyone who is looking to get out of debt.
Reviewed Dec. 10, 2024
The customer rep was knowledgeable and friendly. Everything involved with the process was thoroughly explained. All documents were signed electronically. I was given instruction as what to expect in the future. I am waiting to see if the creditors are agreeable to the terms of the settlement. I do not anticipate any problems. I am appreciative of the legal protections offered from the program.
Robert, thank you for sharing your experience! We’re so glad to hear our representative provided knowledgeable and friendly support while thoroughly guiding you through the process. It’s great to know the electronic signing and clear instructions made everything seamless. We’re here to assist should any questions arise as things progress. Thank you for trusting us to help you achieve your goals!
Reviewed Dec. 10, 2024
The agent Isaiah ** has been very professional and helpful and has had great follow through. He answered all of my questions and was able to find something that works for me and ensure we included the creditors I wanted to include. Thanks for making the process so easy for me.
Judy, thank you for your kind words! We’re delighted your enrollment agent provided professional and thorough support, answering your questions and tailoring a solution that worked for you. Making the process easy is always our goal. If you need further assistance, feel free to reach out.
Reviewed Dec. 9, 2024
Mathew was very professional. He listened to our situation and advocated/supported a mutually agreeable immediate solution plan. My wife and I feel relieved that we now can afford making a single monthly payment to resolve $100,000 in credit card debt by eliminating $240,000 in interest over a 48 month period.
Kurt, thank you so much for sharing your experience! We understand that it can be a difficult and stressful process, and we're so glad to hear that your mind has been put to ease. We truly appreciate each of our clients, we are here for you every step of the way as you work toward a brighter financial future!
Reviewed Dec. 9, 2024
Very professional and explained everything really well, I look forward to working with the company and resolving my debt. I have had such a rough time with the changes in my household and now that I am starting back to work I really need the help. I am so glad you are available to assist me.
Thank you for sharing your experience, Stefannie! It’s wonderful to hear that you felt supported and well-informed throughout the process. We know how challenging household changes can be, and we’re so glad you’re taking positive steps toward resolving your debt as you return to work. Please know we’re here to assist you every step of the way and look forward to helping you achieve your financial goals!
ClearOne Advantage Company Information
- Company Name:
- ClearOne Advantage
- Website:
- www.clearoneadvantage.com

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