How ClearOne Advantage Works
Take control of your debt with a clear path forward. At ClearOne Advantage, we help you simplify debt and move toward financial freedom through a personalized plan that meets your budget.
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How Our Process Works
ClearOne Advantage helps you resolve qualifying unsecured debt with one affordable monthly payment and a team that negotiates with creditors on your behalf. You stay in control, every step of the way.
- Step 1: Get Your Custom Plan
- Step 2: Make Your First Payment
- Step 3: Approve Your Settlements
- Step 4: Graduate and Move Forward
Step 1: Get Your Custom Plan
You'll start with a free, no-obligation consultation where a ClearOne Advantage Certified Debt Specialist reviews your situation and builds a plan that fits your budget. Together, we'll determine your affordable monthly payment, typically up to 40% lower than what you're paying now.
Step 2: Make Your First Payment
Once your plan begins, you'll make your first monthly payment into your own FDIC-insured savings account. This is a secure place where your funds grow until you're ready to settle with creditors. Every payment moves you closer to freedom.
Step 3: Approve Your Settlements
When you have built up enough funds, we negotiate with your creditors to agree on reduced balances. You'll always review and approve each settlement before it's finalized and before any payment is made toward the settlement. Many clients end up paying significantly less than they originally owed.
Step 4: Graduate and Move Forward
Once your final settlement is complete, you become free from your enrolled debt! You can stop worrying about debt and focus on the things you care about most.
Why Choose ClearOne Advantage
Not all debt relief companies are created equal. At ClearOne Advantage, we combine expert guidance, advanced technology, and a client-first approach to make sure your plan works for you. Learn more about why you should choose ClearOne Advantage.
What Sets Us Apart
Personalized plans designed for your goals
Every debt relief plan is built around your unique financial situation by experienced professionals who care about your success.
Leadership team with decades of stability and experience
Our leadership team has guided thousands of clients through their financial recovery with a track record of trust and results.
Transparent communication: You approve every step
You're always in control. We'll never move forward on a settlement without your approval, keeping you informed every step of the way.
A community that believes in empowerment
We believe that debt resolution is the first step toward a brighter financial future. Our team will coach you through the steps and celebrate every milestone throughout your plan.
Our Commitment to Trust
- TrustScore 4.8 based on 10,000+ Trustpilot reviews
- Accredited member of the Association for Consumer Debt Relief (ACDR)
- BBB Accredited, A+ Rated
Get your free savings estimate
Our certified debt specialists work with clients just like you every day to find debt relief solutions that really work. If you would like to learn how to get out of credit card debt, call us today at 1-888-340-4697 and get a free savings estimate.
FAQs
There is no up-front cost to enroll with ClearOne Advantage. Once a settlement is approved by you and at least one payment is made to the creditor, ClearOne Advantage’s fee is earned. The fees are a percentage of the enrollment amount of the debt.
Every settlement offer and ClearOne Advantage’s fee for each settlement are presented to you for approval, so there are no surprises. You approve every settlement, so you’re in control.
The amount of time you are in the program is based on the amount of debt enrolled, the amount you have agreed to deposit into your dedicated account each month, and the consistency of those monthly payments. Our average program graduate who makes all payments as agreed during their program takes approximately 24–51 months to complete their plan.
Debt resolution will have a negative impact on your credit score, but it’s not as bad as bankruptcy which stays on your credit report for seven to ten years. Consider your priorities – what is most important to you? Getting out of debt? Buying a home? Your total debt is the second most important factor in determining your credit score. Improving your debt to income ratio will ultimately open more doors for buying a car or house in the future than keeping an average credit score with unmanageable debt. Your credit score is always changing, and with some diligence, you can rebuild it. Completing your program with ClearOne Advantage is a great start.
Read more frequently asked questions about ClearOne Advantage.