Debt Relief review

ClearOne Advantage review

Name: ClearOne Advantage review
Item: ClearOne Advantage
Rating: 8
Author: ChoosyOwl

Best for approving each fee

Debt settlement company that presents each settlement and its fee for your approval. People who want to sign off on every settlement and fee as the program goes. We rank it #5 of 8 in our debt relief comparison, with an editorial score of 8.0 out of 10.

Updated November 14, 2026By the ChoosyOwl editorial teamHow we rank

8.0/10

Our editorial score

ClearOne Advantage scores well on Consumer protections & disclosures because it presents every settlement and its fee for your approval and lists its ACDR membership. It scores lower on Fee transparency and Program terms & eligibility because the pages we reviewed explain how fees work but do not publish a fee range or program length.

How we score debt relief

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Debt relief disclosure.

We are not a lender, not a debt relief company and not a law firm, and nothing on this page is legal, tax or financial advice. We do not negotiate debts, hold funds or enroll anyone in a program.

Results are not guaranteed. Creditors are not required to settle, not every debt can be enrolled, and many people do not complete settlement programs. No company can promise a specific reduction or timeline.

Debt settlement companies charge fees, typically a percentage of the enrolled debt or of the amount saved. Under the FTC Telemarketing Sales Rule, companies that sell settlement services by phone cannot collect a fee until they have settled at least one of your debts and you have made at least one payment under that settlement. Ask for every fee in writing before you sign.

Stopping payments to your creditors, as most settlement programs require, will likely damage your credit score and can lead to late fees, added interest, collection activity and lawsuits. Forgiven or cancelled debt may be taxable income, so talk to a tax professional. Alternatives include nonprofit credit counseling, a debt consolidation loan and talking to a bankruptcy attorney.

Quick facts

Our rank#5 of 8

Best forBest for approving each fee

Fees (as published)Percentage of enrolled debt; range not published on pages we reviewed

Program lengthNot published on pages we reviewed; ask before enrolling

Industry membershipsACDR accredited member (per its site)

Facts checkedNovember 14, 2026

Details are general and can change. Check current plans, prices and terms on the ClearOne Advantage site. See the ClearOne Advantage company profile in our brand directory.

Overview

ClearOne Advantage is a debt settlement company with offices in Tempe, Arizona and Baltimore, Maryland. You make monthly deposits into your own FDIC-insured savings account while it negotiates with your creditors.

Its site says fees are a percentage of the enrolled debt, that it charges no upfront fees, and that its fee is earned only after you approve a settlement and at least one payment is made. Each settlement offer and its fee are presented to you for approval. The pages we reviewed did not publish a fee range or typical program length, so ask for both in writing before you enroll.

ClearOne Advantage lists itself as an accredited member of the Association for Consumer Debt Relief (ACDR). Its disclosures say entering a settlement program could hurt your credit score and that the program is not available in all states.

Pros and cons

Pros

You approve every settlement before a fee is earned
Clear explanation of when fees are charged
Industry association membership listed

Cons

No fee range published on the pages we reviewed
No typical program length published on the pages we reviewed
Not available in all states

Key features

Each settlement and fee presented for your approval
Deposits held in your own FDIC-insured account
No upfront fees
ACDR accredited member (per its site)

Who ClearOne Advantage is for

A good fit if

People who want to sign off on every settlement and fee as the program goes.

Look elsewhere if

Anyone who wants to compare a published fee range before talking to a consultant.

How we scored ClearOne Advantage

Our debt relief score weighs fee transparency (25%), program terms & eligibility (20%), consumer protections & disclosures (25%), client support & tools (15%), availability (15%). See the methodology.

ClearOne Advantage alternatives

#1
Freedom Debt Relief
Best overall
Large debt settlement company with a published fee range, a Program Guarantee and no upfront fees.
- Fee is a published percentage of enrolled debt
- No upfront fees; fee collected after a settlement is authorized and paid
- Program Guarantee (read the terms)
- Founding member of the ACDR; IAPDA platinum member (per its site)
9.2/10
Editorial score
Visit site (Freedom Debt Relief, opens in a new tab) Read review Compare
#2
National Debt Relief
Best for a published fee cap
New York-based debt settlement company that caps its fee as a share of enrolled debt.
- Fee capped as a share of enrolled debt
- No fees until a debt is settled
- ACDR member and IAPDA accredited (per its site)
- Free savings estimate before you enroll
9.0/10
Editorial score
Visit site (National Debt Relief, opens in a new tab) Read review Compare
#3
JG Wentworth Debt Relief
Best for a single stated fee
Debt resolution program from the J.G. Wentworth family of companies, with a stated program fee and state list.
- Program fee stated as a single percentage of enrolled debt
- No upfront fees
- Published list of states served directly
- Prequalification that does not affect your credit score (per its site)
8.7/10
Editorial score
Visit site (JG Wentworth Debt Relief, opens in a new tab) Read review Compare

See all 8 debt relief companies compared

ClearOne Advantage FAQ

How does ClearOne Advantage charge fees?

Its site says fees are a percentage of the enrolled debt and are earned only after you approve a settlement and at least one payment is made. It did not publish a fee range on the pages we reviewed, so ask for it in writing.

Where is my money held with ClearOne Advantage?

ClearOne Advantage says your monthly payments go into your own FDIC-insured savings account, which is used to pay settlements as they are reached.

Will ClearOne Advantage hurt my credit?

Its own disclosures say entering a debt settlement program could adversely affect your credit score, mainly because enrolled accounts go unpaid while you save.

Sources and fact check

We checked the facts on this page against ClearOne Advantage's own website on November 14, 2026.