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Debt Relief with ClearOne Advantage: An In-Depth Review

ClearOne has helped thousands of clients get out of credit card debt for less than they owe.

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Updated May 8, 2025
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Edited by John Howard
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Written by Elise Banham
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Key takeaways

  • ClearOne Advantage is a debt settlement company. They negotiate with creditors to settle debt for less than the amount owed.
  • The company creates personalized debt relief plans that fit each client’s budget.
  • While ClearOne Advantage can help reduce the total debt owed, clients should consider the fees involved and the potential impact on their credit score.

Are you struggling with overwhelming credit card debt and need professional assistance getting out? Have you tried credit counseling and are facing bankruptcy? Then, debt settlement may be for you. There are hundreds of companies promising to get you out of debt. ClearOne Advantage has been around since 2008 and has helped thousands of clients. Find out how they work and if they are a good fit for you.

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What is ClearOne Advantage?

ClearOne Advantage is a debt guidance and settlement company founded by Tomas Gordon in 2008 and headquartered in Baltimore, Maryland. It is certified by the Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA). The company is recognized for its expertise in debt relief guidance. Its teams of experienced professionals create plans tailored to their clients’ unique financial situations. The company’s mission is not just about reducing debts but also about empowering customers through education and guidance. To qualify, you must have a minimum of $10,000 in unsecured debts like credit card debt. ClearOne Advantage is unable to help with secured debts like auto loans or mortgages.

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Why choose ClearOne Advantage?

ClearOne Advantage has helped thousands of clients settle their credit card debts. They have proven themselves to be a reputable and trustworthy company with over 9,000 reviews and an excellent 4.7 star rating on Trustpilot.

With ClearOne, you are never on your own. They have a dedicated team of experienced professionals to help support you every step of the way. The company provides online resources, guidance, and assistance so that you not only become but also stay debt-free. Their online resources include budgeting tools, articles, and a comprehensive debt guide. Lastly, they do not charge any start-up fees. You never pay anything until your debts are settled to your satisfaction.

Who’s eligible for ClearOne Advantage?

Qualification requirements: 

  • Clients must have a minimum of $10,000 in unsecured debt (credit cards, medical bills, personal loans)
  • No minimum credit score or history required
  • No income requirements
  • No job status requirements
  • Must be a U.S. citizen or resident
  • Must be at least 18 years old

How does ClearOne Advantage work?

Navigating through debt can be daunting, but ClearOne Advantage simplifies the process into four manageable steps.

Step 1: Free consultation with a certified representative

Call and tell ClearOne about your situation. You’ll be paired with a Certified Debt Specialist. The specialist will evaluate your financial situation to determine the best solution for you. They will then create a personalized debt relief plan to fit your budget and financial circumstances.

Step 2: Enroll in a personalized debt settlement plan

Review and approve your customized debt settlement plan. The plan is based on your initial consultation, addresses your specific debts, and fits your budget so that you can save money. Not every client has the same needs. ClearOne Advantage always creates a new plan that is affordable for you. The plan will get you out of debt in a reasonable time if you stick with it.

Step 3: Make lower monthly payments

Once you approve your plan, you’ll start making monthly payments into an escrow account and stop paying your creditors. These monthly payments are typically less than what you currently pay your creditors. The lower payments can ease your budget and increase your cash flow.

Step 4: Negotiations begin

As funds accumulate, ClearOne works to resolve your debt. When you have sufficient funds, they will negotiate with your creditors to settle your debts for less than you owe. Since you’ve stopped paying them, your creditors have an incentive to settle. ClearOne’s expert negotiators have years of experience. They are highly skilled at settling debts for large savings in a short amount of time.

Who is ClearOne Advantage best for?

ClearOne Advantage’s guidance and consultation services work best for people who are struggling with significant unsecured debt that they have no hope of repaying within five years. The program is particularly beneficial for anyone seeking to avoid bankruptcy.

Before enrolling, make sure that you can afford to make the monthly payments. If you cannot pay anything, the program will not work. For ClearOne Advantage to be effective, you must be dedicated to getting out of debt. This means creating a realistic budget, avoiding unnecessary purchases, stopping impulse buying, and starting an emergency savings account to cover unexpected expenses.

ClearOne Advantage reviews

Sean Corbett Helped Me!

“The agent with whom I worked, Sean Corbett, was terrific! He patiently and clearly explained my options and all of the various details of the debt settlement plan. It only took Sean one day from when I first reached out to ClearOne Advantage to get a debt settlement plan prepared, approved and signed. He is very friendly and treated me with respect and dignity!”

Michael M.
April 17, 2025

A Huge Relief

“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
Feb. 17, 2025

Grateful for ClearOne

“Initial interview with clear one official was very thorough and on spot with what I owe. Upon going over my accounts, I decided to enroll. Main points…they are thorough, they are on point, courteous, and answered every question very professionally. I was offered an optional legal counsel of which I had added on. I look forward to working with Them on closing these credit cards. My monthly payment is very helpful, saving me about 350 paid out each month. Upon looking at the other companies, I am quite happy I chose Clear One Advantage.”

Leonard P.
December 11, 2024
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Debt holding you back?

Get out of credit card debt in five steps!

ClearOne Advantage vs National Debt Relief

National Debt Relief and ClearOne Advantage are both major players in the debt relief industry. Both companies have been around for years and have A+ ratings with the Better Business Bureau. Both are accredited by the Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA). The companies have similar fee structures when it comes to debt settlement. Both charge 25% of the enrolled debt after an agreement is reached.

The legitimacy of National Debt Relief is evident from its extensive track record of successful debt settlements. ClearOne Advantage has a 100% service guarantee and a proven track record of resolving over $3 billion in debts.

The biggest difference between the two is that ClearOne Advantage also offers other debt relief services. When you create your personalized plan, you can discuss options including consolidation, credit counseling, debt management, and, of course, settlement.

Either company can be a good one to work with. Find out which one is licensed to work in your state and take advantage of their free consultations.

Pros and cons of ClearOne Advantage

Pros:

  • Offers personalized debt settlement plans

  • Accredited with an A+ rating by the BBB

  • Provides a free initial consultation

  • A dedicated customer support team

  • Debt relief plans typically lower monthly payments

  • The company does not charge upfront fees

  • Clients work with an experienced debt counselor

  • The company provides educational resources

  • Negotiates settlements to reduce total debt owed

Cons:

  • Debt settlement negatively impacts your credit score

  • Charge a service fee of 20% to 25% of the enrolled debt

  • Settlement results aren’t guaranteed

  • Forgiven debt may be subject to income tax by the IRS

  • Settlement is only for unsecured debts

  • Clients may accrue more debt during the process

  • Need substantial savings to settle debts

Is ClearOne Advantage legit?

ClearOne Advantage is a legitimate debt relief company. It operates within the guidelines set by the Federal Trade Commission (FTC) and adheres to industry best practices. The company does not charge upfront fees. In fact, you will receive a free consultation with a certified debt specialist before enrolling.

ClearOne Advantage holds accreditations from debt relief and consumer organizations. It’s A+ rating by the BBB and 4.8 stars on Consumer Affairs indicate a strong track record of customer service and reliability. The company has been in business since 2008 and has helped numerous clients negotiate and settle their unsecured debts.

While ClearOne Advantage is legitimate, the services it offers are not for everyone. Before you enroll, read customer reviews and assess the fee structure. Debt settlement is not free and it will harm your credit score.

Frequently asked questions

1. Is ClearOne Advantage a legitimate company?

ClearOne Advantage is a legitimate debt settlement company accredited by reputable organizations, including the Better Business Bureau (BBB), where it holds an A+ rating. It offers personalized debt relief programs designed to help consumers reduce their unsecured debts. ClearOne Advantage is known for transparency in its operations, strong customer service, and adherence to industry standards and ethical practices.

2. Do debt relief programs hurt your credit?

Debt relief programs typically hurt your credit initially, especially debt settlement and bankruptcy, which involve missed or reduced payments. With debt settlement, you will stop making payments and your account is reported as ‘settled for less.’ Both of which significantly hurt your score. Programs like debt consolidation or credit counseling do less damage to your credit. Your score should quickly recover and even improve in the long run. Before enrolling, carefully weigh debt relief programs pros and cons, especially how they may impact your credit.

3. What is the highest rated debt relief program?

National Debt Relief is often recognized as one of the highest-rated debt relief program. It has extensive industry experience, excellent customer satisfaction ratings, and strong BBB accreditation. Other top-rated options include Accredited Debt Relief and ClearOne Advantage. The “best” choice ultimately depends on your specific financial situation, debt amount, and long-term goals.

4. What’s the difference between debt relief and debt consolidation?

​​Debt relief is a broad term that refers to various strategies that aim to reduce or restructure debt. These strategies include debt settlement, debt management, bankruptcy, and debt consolidation. Debt consolidation is when you combine multiple debts into a single loan or credit account. It simplifies repayments and typically lowers your interest rate.

5. Is debt relief a good idea?

Debt relief can be a good idea if you’re overwhelmed by debt, struggling with payments, or facing potential bankruptcy. Effective relief can simplify payments, provide professional financial guidance, and even lower your total debt. Each strategy has its own potential drawbacks, such as credit damage and fees. Explore debt relief solutions with a nonprofit credit counselor who can give unbiased advice tailored to your financial situation.

Bottom line

Anyone struggling with overwhelming debt should explore ClearOne Advantage as a debt relief option. The company has helped billions of consumers break free from debt. Their certified debt specialists take the time to create personalized plans tailored to your unique situation. Their expert negotiators work to reduce the amount of debt you owe, helping you navigate the complex journey out of debt. Their goal is to guide you toward a brighter and more stable financial future.

Always review your options and know the drawbacks and fees before you enroll. If you decide that debt settlement is for you, ClearOne Advantage can help you become debt-free.

Click here to see if you qualify.

ClearOne Advantage Disclosures: 

ClearOne Advantage, LLC is a debt settlement company, not a lender, loan broker, creditor, credit services organization, or debt collector. ClearOne Advantage, LLC does not assume or pay any debts; receive, hold or control funds belonging to consumers; or provide bankruptcy, legal, accounting or tax advice. You should review full program terms and conditions before enrolling. To the extent that any aspect of the debt settlement services relies on or results in the consumer’s failure to make timely payments to the consumer’s creditors or debt collectors, the use of the debt settlement services: (1) Will likely adversely affect the consumer’s creditworthiness; (2) May result in the consumer being subject to collections or being sued by creditors or debt collectors; and (3) May increase the amount of money the consumer owes due to the accrual of fees and interest by creditors or debt collectors. Not available in all states. Some third-party fees may apply. C.P.D. Reg. No. T.S. 12-03822.

ClearOne Advantage is not a credit services organization and we do not make any claims regarding improvement of a consumer’s credit scores. Entering into a debt settlement program could adversely affect your credit score. 

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
2. Paycheck Advance is an earned wage access service and is not a loan or credit product.
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9. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.
10. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank.
11. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
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13. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.
14. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
15. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.
16. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.
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18. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
19. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
20. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
21. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
22. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
23. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
24. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
25. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
26. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
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28. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
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30. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
31. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
32. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
33. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
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35. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
36. Tipping or not tipping has no impact on your eligibility for SpotMe®.
37. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
38. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
39. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.
40. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.
41. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.
42. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.
43. Not affiliated with Empower Annuity Insurance Company of America (www.empower.com).                              Not everyone will qualify. Offers range from $10-$300 for first-time customers; $10-$400 for all others. Offers are based on our eligibility requirements and can go up with on-time payments. In Feb 2025, the average offer was $95 for first-time customers; $187 for all others. Instant delivery is optional—see fees in Empower’s Terms.                              Empower offers a 14-day trial for first-time customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.
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About the author

Elise Banham Elise Banham

Elise Banham is a financial writer at Moneyfor, specializing in credit building, budgeting, and personal loans. She joined the team in 2020 after writing for outlets including The Seattle Times, MarketWatch, and Bankrate. Earlier in her career, she worked as a content strategist for a San Francisco-based fintech startup.

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