ClearOne Advantage review

No bells and whistles — but customers say it gets results.

  • Best for people looking for a highly-rated, accredited service.
  • Pick something else if you want fees based on money saved.
2.2 ★★★★★ (5 reviews) Write a review

ClearOne Advantage Debt Relief details

Free quote or consultationYes, consultation typically takes 20 minutes
ServicesDebt settlement
Minimum debt$10,000
Typical turnaround24 to 60 months
Direct or third-party negotiationsDirect
FeesFee is a percentage, usually 25%, of the total enrolled debt
Types of debt Unsecured debt, works with most creditors
AccreditationsAFCC member, IAPDA member, BBB accredited
RatingsA+ BBB rating
Free resources or toolsFinancial tips blog
Customer servicePhone: 888-340-4697
Mail: 1501 South Clinton Street, Suite 320, Baltimore, MD 21224
Hours: Weekdays from 7 a.m. to 11 p.m. ET, Weekends from 8 a.m. to 8 p.m. ET

How does ClearOne Advantage work?

ClearOne Advantage negotiates with your creditors on your behalf. It accepts a minimum debt of $10,000, and settlements typically take anywhere from 24 to 60 months.

How much does it cost?

Although the exact cost varies by state, ClearOne Advantage charges a percentage of the debt enrolled — usually 25%. For example, if you have $10,000 of debt, you will pay around $2,500 in fees. This is different from some other debt settlement companies which charge a percentage of the amount settled for each account.

However, you won't pay anything until after you accept the terms of your settlement.

How much could I save with ClearOne Advantage?

ClearOne Advantage states in its website's frequently asked questions that its customers save an average of 50% on their debts before fees — or 25% after fees. Your savings depends on the amount of debt you have and your creditors' willingness to negotiate.

Is ClearOne Advantage legit?

Yes, ClearOne Advantage is a legit debt settlement company. It is accredited by both the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). Its privacy policy outlines the information it collects and shares with affiliates, and its website is encrypted to keep your information secure.

What are the pros and cons of ClearOne Advantage?

ClearOne Advantage offers a standard range of debt settlement options, which means it has many of the same pros and cons as other debt settlement companies.

  • Average savings of 25% after fees
  • Highly rated by customers
  • Accredited by the AFCC and the IAPDA
  • Potentially long turnaround of 60 months
  • Fee based on enrolled debt, not savings
  • Some creditors not accepted

Compare more debt relief options

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Name Product Costs Requirements
Freedom Debt Relief
Monthly payment based on enrolled debt, no upfront fees
Must have at least $7,500 in unsecured debt, have a hardship is preventing the ability to pay creditors, and live in a serviced state.
Freedom Debt Relief works to help people with unmanageable, unsecured debt get back on their feet.
Accredited Debt Relief
Charges and fees vary by the company you're ultimately connected with
Must be at least 18 years old and a legal US resident; additional terms may apply based on services and products used.
This A+ BBB-rated service offers free consultations to lower your monthly payments help you get out of debt faster.
National Debt Relief
15–25% of total enrolled debt
Must have a legitimate financial hardship which is preventing the ability to pay creditors and a minimum of $7,500 in debt.
Get back on your feet with a top-rated company that works with multiple types of debt.

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ClearOne Advantage reviews and complaints

BBB accreditedYes
BBB ratingA+
BBB customer reviews3.5 out of 5 stars, based on 370 customer reviews
BBB customer complaints220
Trustpilot score4.7 out of 5 stars, based on 5,352 customer reviews
Customer reviews verified as of21 October 2020

ClearOne Advantage has a high volume of positive reviews on both its Trustpilot and BBB pages. Many customers state they're pleased with the customer service they received, and some state they were happy with the speed of their first settlements. However, negative reviews comment on the cost of the debt settlement process and note that many of the settled debts were only slightly lower than the original amount owed.

What is ClearOne Advantage?

Based in Maryland, ClearOne Advantage has been in business since 2007 and has been accredited by the BBB since 2014. It offers personalized debt settlement — but other resources and debt relief options aren't available.

How do I get started?

You can view an estimated debt plan by following these steps:

  1. Visit ClearOne Advantage's website and choose Get started now.
  2. Select the amount of unsecured debt you have.
  3. Enter your ZIP code and email.
  4. Enter your full name and phone number. Then select See my savings.
  5. Enter your street address and date of birth. Then select View estimate.

Once you submit your information, ClearOne Advantage does a soft pull of your credit to review your current debts and bills. It also provides an estimated term and monthly payment based on your credit file. After, a customer service representative reaches out to you by phone to discuss your debt and give you a quote for a debt settlement plan. ClearOne Advantage states that the process typically takes less than 20 minutes.

I’ve signed up. What happens next?

ClearOne Advantage walks you through the process of opening an account and starting debt settlement, but it typically looks like this:

  1. Stop using your credit cards. ClearOne Advantage recommends that you stop using your credit cards and avoid opening new accounts.
  2. Understand the consequences of nonpayment. If you don't pay your creditors as part of your plan, you may be subject to collection calls and a potential lawsuit. Your credit score will also take a hit.
  3. Deposit funds into your account. You will be required to make regular payments into a bank account. If you miss a payment, contact ClearOne Advantage as soon as possible. It could potentially delay a settlement.
  4. Wait for your settlements. ClearOne Advantage states that the first settlement happens after three or four months — although it could take longer. Once a settlement is reached, ClearOne Advantage uses the funds in your account to pay your creditor and the fee for using its service.

Before you sign up for ClearOne Advantage or any debt settlement program, consider other debt relief options that may be less expensive.


Review by

Kellye Guinan was a financer writer for Finder, covering everything from loans from auto to personal to business finance.

Expert review

ClearOne Advantage, formerly Quality One, is accredited by multiple industry organizations and earns high ratings from its customers. While its debt relief process can take up to 60 months, ClearOne Advantage has established relationships with creditors across the US. This helps it negotiate your debt — and means you’re unlikely to have debt enrolled if ClearOne Advantage knows it won’t be able to help you.

But its fees are based on the amount of debt you have, not the amount it saves you in negotiations. This means you may may a large fee for a small settlement. It also isn’t clear about which creditors it does or doesn’t accept, so you’ll need to sign up for a consultation before you know if ClearOne Advantage can work with your debt.

Before you get started, request quotes from other debt settlement companies to make sure you’re getting the best deal.

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