Pennsylvania Debt Relief

Pennsylvania families face rising household expenses, medical bills, and credit card balances that make it difficult to stay ahead. The average household debt in the state has continued to climb, especially in cities like Philadelphia, Pittsburgh, Allentown, and across Central PA. Whether you are dealing with high interest charges, missed payments, or growing monthly bills, ClearOne Advantage helps Pennsylvanians regain stability with personalized debt relief programs designed around your income and financial goals. 

Key Highlights 

• $3 Billion+ in Debt Resolved  
• A+ BBB Accredited
• Average 45% Savings Before Fees 
• Certified Debt Specialists

How Debt Relief Works in Pennsylvania

Our Certified Debt Specialists work directly with your creditors to reduce what you owe and create one manageable monthly plan payment. The average program length for clients to complete their program is 24 to 51 months, depending on total debt, budget, and creditor arrangements.

Four Simple Steps 

1. Free Consultation: Review your financial situation with a Certified Debt Specialist. 
2. Personalized Plan: Get one affordable monthly plan payment tailored to your budget. 
3. Resolve your Debts: We work with your creditors to lower balances and help you reach relief faster. 
4. Graduate & move forward: Once your enrolled debt is resolved, you can move on and focus on what truly matters.

Debt Relief Options for Pennsylvania Residents

Debt Settlement

Many Pennsylvanians, especially in higher-cost regions like Philadelphia, the Main Line, and the Pittsburgh metro area, turn to debt settlement when minimum payments become unmanageable. ClearOne Advantage negotiates directly with your creditors so you can resolve unsecured debts for less than you owe.

Debt Consolidation

Debt Management Plan (DMP)

Bankruptcy Alternatives

Pennsylvania Debt Statistics and Financial Snapshot 

• Average consumer debt: $83,483 [1]
• Average credit card balance: $5,840 [2]
• Average student loan debt: $36,120 [3]
• Median household income: $37,725 (one-person household) [4]
• Average credit score: 722 [5]

Pennsylvania Consumer Protections and Debt Laws 

Pennsylvania Fair Credit Extension Uniformity Act (FCEUA)

Pennsylvania Unfair Trade Practices and Consumer Protection Law (UTPCPL)

Statute of Limitations on Debt in Pennsylvania

In Pennsylvania, the statute of limitations on most consumer debts (including credit cards) is typically four years. After this period, debts become “time-barred,” meaning creditors cannot sue to collect, though they may still contact you. [8]

This summary is not legal advice. Individual circumstances vary, and consumers should consult a licensed attorney regarding their rights under Pennsylvania law. 

State and Community Assistance Resources

• Pennsylvania Legal Aid Network: Free legal support for residents facing lawsuits, garnishment, or collection actions. [9]
• Compass PA: Apply for food, medical, childcare, and housing assistance through Pennsylvania’s statewide benefits portal. [10]
• PA Housing Finance Agency: Foreclosure prevention, housing counseling, and mortgage assistance programs. [11]

Why Choose ClearOne Advantage

• Proven Results: More than $3 billion in debt resolved  
• A+ BBB Rating: Recognized for trust and reliable service
• Accredited by the Association for Consumer Debt Relief (ACDR)
• No Upfront Fees: ClearOne Advantage’s fee is only earned after you approve each settlement and your first payment is made to the creditor.   There are no upfront fees to enroll.  

Read more about why you should choose ClearOne Advantage.

Reviews from Pennsylvanians

"Since the start of this process I have been handled with nothing but compassion and respect. I like to think that I am an intelligent college educated woman. Well, even smart women can listen to the wrong people and make bad financial choices. You all have enabled me to keep my house, job, car, and sanity by working 8 extra hours a week to straighten out my financial mess.

However, the most important thing that has come out of this is that my 9 year old son will be able to continue to look at his mom with the confidence that she can handle whatever comes. Confidence in me only increases his self-confidence and I thank you again for that.

I sincerely hope that I will continue to stay on a sound financial path and not need your services in the future. But if I do, clear one will be my first call."

- CC, Lansdowne, PA

"I would like to take the opportunity to thank your firm for their commitment, work ethic, communication and actually friendship in aiding me through some of the roughest parts of my fiscal life. All of your staff really surprised me at the dedication they used to settle the accounts I trusted you with.

Being a widow and single father, I found myself over extended and muddled into some larger debt than I never thought would happen to me. It's funny how quick I went from being ahead to being behind and worried about my financial future. Thanks to you and your team all of the accounts were settled quickly and professionally. But most of all was the amount your company saved me. On one account alone I saved over 3 thousand dollars.

Though I still have a little way to go to getting back on my feet, without ClearOne Advantage’s help I don't even want to think about where my finances would be! Again, thank you from my family for the fantastic job your company did. I advise anyone out there that may need help in the debt reduction area to really try ClearOne Advantage. You will not be disappointed!

- Ange, Punxsutawney, PA

Results may vary. Read more customer reviews here.

Get a Free Pennsylvania Debt Relief Consultation 

Take control of your financial future today. Speak with a Certified Debt Specialist to review your options. There is no obligation, no upfront fees, and no impact to your credit when you inquire. 

Footnotes

[1] https://www.experian.com/blogs/ask-experian/research/consumer-debt-study/
[2] https://www.cnbc.com/select/average-credit-card-balance-by-state/
[3] https://educationdata.org/student-loan-debt-by-state
[4] https://worldpopulationreview.com/state-rankings/median-household-income-by-state
[5] https://www.experian.com/blogs/ask-experian/what-is-the-average-credit-score-in-the-u-s/
[6] https://www.attorneygeneral.gov/protect-yourself/consumer-advisories/fair-debt-collection-practices/
[7] https://www.pa.gov/content/dam/copapwp-pagov/en/health/documents/topics/documents/laws-and-regulations/Unfair_Trade_Act.pdf
[8] https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/42/00.055.025.000..HTM
[9] https://palegalaid.net/
[10] https://www.compass.dhs.pa.gov/home/#/
[11] https://www.phfa.org/