ClearOne Advantage Reviews 2025

Introduction

If you’re struggling with credit card balances or personal loan debt, debt settlement can offer an alternative to consolidation loans or bankruptcy. ClearOne Advantage is a U.S.-based debt relief company with more than 15 years of experience helping consumers reduce unsecured debts through structured settlement programs. This review provides an in-depth look at how debt relief ClearOne Advantage works, how much it costs, what real customer reviews reveal, and whether the company is legitimate. All information is based on verified sources, including ClearOne’s official website, the BBB profile, and federal consumer protection guidelines.

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How ClearOne Advantage Works

ClearOne Advantage specializes in debt settlement programs that aim to reduce unsecured debts and simplify repayment through one affordable monthly payment.

Initial Consultation

The process begins with a free consultation (866) 598-9331, where a representative reviews your debts, income, and overall financial situation. If you qualify, they will explain the program, go over expected savings, and timelines. Clients can access support through the ClearOne Advantage phone number (866) 598-9331 or by using the ClearOne Advantage login portal once enrolled.

Case Evaluation

After the initial consultation and if you are eligible or qualified, you’ll receive a personalized debt relief proposal, which outlines your estimated monthly payment, timeline, and potential credit impact. All costs are disclosed before signing, and ClearOne emphasizes transparency throughout the enrollment process.

Program Selection

Most clients enroll in a single debt settlement program, where they stop making payments directly to creditors and instead deposit a fixed monthly amount into a dedicated account. Negotiators then contact creditors to settle debts for less than the total owed. The dedicated account is not owned by ClearOne Advantage. It’s an independent, FDIC-insured escrow account set up in the client’s name, and ClearOne can only access funds once a settlement is approved.

Execution

Once agreements are reached, funds from the dedicated account are used to pay the settlements. Clients can track all negotiations and payments through the ClearOne Advantage login portal, making the process more transparent.

Ongoing Support

ClearOne maintains regular communication during the program, sending settlement confirmations and account updates. Clients can reach ClearOne Advantage customer service via phone or portal messaging for assistance.

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Who It’s Best For

Best for individuals with unsecured debt who are looking for a structured debt settlement program as an alternative to bankruptcy or consolidation loans. This can be a great fit for those struggling to keep up with minimum payments or carrying high credit utilization.

Stand Out Features

Single Monthly Payment Clients make one affordable monthly payment, which funds negotiated settlements, simplifying debt management. BBB Accreditation ClearOne Advantage is A+ rated and BBB-accredited, which adds transparency and credibility to its services. Secure Online Portal Through the ClearOne Advantage portal, clients can track settlement progress, payment schedules, and account balances in real time. Transparent Program The company clearly outlines its debt settlement process, including estimated timelines, fees, and potential credit impacts before enrollment. No Upfront Fees ClearOne Advantage follows FTC regulations, charging no fees until a settlement is reached and approved.

Pros and Cons

Pros

• One structured monthly payment.
• A+ BBB rating and accreditation.
• Secure client portal for real-time updates.
• No upfront fees.
• Transparent program structure.

Cons

• Only offers debt settlement — no consolidation or alternative services.
• Debt settlement can impact credit scores temporarily.
• Not all creditors agree to negotiate.
• Requires steady monthly payments for success.

Is ClearOne Advantage Legit?

Yes. ClearOne Advantage is a legitimate debt relief company with more than 15 years in operation, an A+ BBB rating, and compliance with FTC Telemarketing Sales Rule. These rules prohibit upfront fees and require clear disclosure of program details before enrollment. The BBB profile shows thousands of reviews and a strong complaint resolution record, reinforcing the company’s credibility.

Common Questions (People Also Ask)

What is ClearOne Advantage? It’s a debt settlement company that negotiates with unsecured creditors to help consumers reduce their debt balances. Is ClearOne Advantage legit? Yes. It’s BBB-accredited, A+ rated, and operates under FTC debt relief regulations. How does ClearOne Advantage work? You make a single monthly payment, and negotiators work to settle your debts for less than the total amount owed.

Final Verdict

ClearOne Advantage stands out for its BBB accreditation, transparent structure, and single-payment debt settlement program. It’s a solid choice for consumers who want a structured way to reduce unsecured debts without taking out new loans. However, the company only offers debt settlement, so those looking for loan or hybrid solutions should compare other providers. As with any settlement program, there may be credit impacts and the need for consistent monthly payments. Overall, ClearOne Advantage is a reputable and established option for debt settlement in the U.S.

• Explore more options in our full Debt Relief Buyer’s Guide.