ClearOne Advantage is a debt settlement company that has only been in operation for a decade or so, but has made a big impact in that time, settling over $1 billion worth of debt, most of which is the result of medical debt and credit card debt.

This company should not be confused with CareOne, who we have also reviewed here on DebtReviews.

ClearOne Advantage Review

About ClearOne Advantage

There are many positives to this company and the services that they provide, including a 100% money-back guarantee that can be requested any time during the first 90-days. ClearOne Advantage's fees may go as low as 20% of the total debt enrolled, but keep in mind that their fees can go as high as 25%.

Basic Information

  • Address: 1501 S Clinton St Ste 320, First Mariner Building, Baltimore, MD 21224-5733
  • Web Address:
  • Date of Founding: 8/31/2008
  • Contact Number: (888) 785-5376
  • Opening Times: 09:00 AM – 05:00 PM
  • BBB Accredited? Yes, since 2014

The Services

ClearOne Advantage offer a number of debt relief services to customers in need. Their main service, and the one we have focused on for the purpose of this review, is their debt settlement. But they also offer debt counseling, debt consolidation, and bankruptcy counseling. Generally speaking, if you find yourself deep in the red and need help to see the light at the end of the tunnel, then ClearOne Advantage might be able to help.

The Employees

At times we get the impression that ClearOne Advantage are a small company, but once you dig underneath the surface you realize that's not the case. They hire around 250 employees in fact, and they have grown very quickly in the relatively short space of time that they have been active. These employees are not all certified and experienced, but they are all professional and they are all helpful, and you will have to look long and hard to find bad reviews that point to these staff members.

The Reviews

There are a number of bad reviews and complaints out there for ClearOne Advantage, but these are to be expected for a company of their size and their reach. The important thing in cases like this is that the company responds to bad reviews in a professional way and tries to resolve complaints as quickly and kindly as they can. And ClearOne Advantage do all of these things, so we don't have an issue with them.

It's a similar story with other big companies, including the likes of Freedom Debt Relief and National Debt Relief. Yes they get bad reviews and complaints, but we expect nothing less from companies that deal with so many people and at least they make the effort to resolve all these issues.

Our ClearOne Advantage Review

We tasked our researchers with looking over ClearOne Advantage and scoring them based on their services, level of support, speed, fees, and more. Take a look at our ClearOne Advantage review below to see how they scored this company.

The Good

Industry Size and Experience

As mentioned above, ClearOne Advantage employs around 250 employees, which is well beyond the industry average, making them one of the bigger companies in this sector. Additionally, the company executives have years of entrepreneurial and financial experience, making them a well balanced and experienced company on the whole, from the bottom to the top.

Industry Accreditations

In addition to their years of experience and other plus points, ClearOne Advantage is certified with the IAPDA and AFCC, two major national debt relief organizations. These certifications ensure that ClearOne Advantage abide by certain codes of conduct, which in turn means that customers can be assured the highest standard across the board.

Satisfaction Guarantee

ClearOne offers a 90-day, 100% money back guarantee for when the customer becomes dissatisfied with their services. Furthermore, if the customer does not save any money with the first settlement, they can request a refund for all of the settlement fees that were paid. This is one of the most comprehensive money-back guarantees in the industry, and adds an extra layer of stability and security for all prospective customers.

Lots of Positive ClearOne Advantage Reviews

The most common positive review about ClearOne concerns their customer service. People who have worked with the company say that the staff are friendly and knowledgeable, and that they put them at ease immediately and helped them with whatever issues they had. This is vital when you consider that you will be working closely with them for several years and will be relying on them for your financial future.

ClearOne Advantage

The Bad

Not Available in Most States

The biggest drawback with ClearOne Advantage is their limited availability, as they only operate in 22 out of 50 U.S. states. If you reside if one of the following states then you can use their services: AK, AL, AR, AZ, CA, FL, IA, IN, KY, LA, MA, MD, MI, MO, NE, NC, NM, NY, OK, PA, TX, VA.

Potential High Prices

ClearOne's fees may go as low as 20% of the total debt owed, but it's worth noting that rates may go up to 25%, which is slightly higher than what many of their competitors are quoting. If one can find a settlement company that only charges 15% to 20%, we recommend working with them. Just make sure they are actually going to offer you that rate as some companies advertise a rate of 20% but actually offer 25% when you go through the consultation.

ClearOne Advantage Complaints

Negative reviews about ClearOne usually revolve around one of three things: they are hard to find, they use pushy negotiation tactics, and they have high rates.

High Minimum Debt Requirements

A potential client must have at least $10,000 worth of unsecured debt to work with ClearOne Advantage. Although many settlement companies require a minimum of debt to work with, this is higher than what many others require. There are companies out there with a minimum requirement of $3,000 to $7,500.

The Bottom Line

ClearOne Advantage is accredited nationally and run by experienced executives, and it provides free consultations for clients. In the case that you live in one of the serviceable states, you can get a good rate, and you have at least $10k worth of unsecured debt, we recommend working with them.

In the case that you are quoted too high of a price, or you live outside of their range, then you should try one of our many other highly rated companies instead. There are many great ones out there, just check with our top lists and see which ones appeal to you the most.