ClearOne Advantage Review July 2026

ClearOne Advantage: Top features

ClearOne runs a standard debt settlement program. You stop paying enrolled creditors and build money in a dedicated account. The company then works to settle your debts for less. A few features stand out from the pack.

An established company with long track record

ClearOne has operated since 2008 and runs offices in Baltimore, Maryland, and Tempe, Arizona. The company advertises that it has settled more than $3 billion in client debt.

Program length of 24 to 60 months

Most clients who finish the program do so in roughly two to five years. ClearOne cites an average of about 40 to 50 months for graduates. Your timeline depends primarily on how much debt you enroll and how much you deposit each month, as well as the cooperation of your creditors.

Eligible debts and the $10,000 minimum

ClearOne works with unsecured debts: credit cards, medical bills, and personal loans. You need at least $10,000 in unsecured debt to start. A mortgage, auto loan, or other secured debt can't go into the program.

Positive customer reviews and ACDR membership

ClearOne's Tempe, Arizona BBB profile carries an A+ rating, and its TrustPilot reviews are overall positive. The company is also a member of the Association for Consumer Debt Relief (ACDR), a debt settlement trade group.

Is ClearOne Advantage legit?

ClearOne Advantage is a legitimate, long-running debt settlement company. It has operated since 2008 and holds an A+ rating on its Tempe BBB profile, accredited since November 2024. It also belongs to the ACDR. We found no CFPB, FTC, or state attorney general enforcement actions against the company in public records.

Two things deserve a closer look before you read the A+ as the whole story.

• There are two BBB profiles. The Tempe, Arizona profile is rated A+. A separate Baltimore, Maryland profile for the LLC carries a B- rating. Depending on which one you land on, you could come away with a different impression.
• A high BBB grade measures complaint response, not results. It tells you the company answers complaints filed through the BBB. It doesn't tell you how your own settlements play out.

Here's how ClearOne rates on the two review platforms we check:

ClearOne Advantage pros and cons

Whether ClearOne fits comes down to your budget and how far behind you are. Weigh these pros and cons before you decide.

How much does ClearOne Advantage cost?

ClearOne charges no fee for the initial consultation, which is standard in the industry. It’s also illegal for a provider to charge any settlement fees until it arranges a settlement, you approve it, and you make a payment toward it. A monthly fee for the dedicated savings account may apply.

Here's the catch for comparison shopping: ClearOne doesn't publish its fees publically. The company says only that "fees and costs vary" and asks you to call for a quote. 

Across the industry, the CFPB reports settlement fees commonly run 20% to 25% of enrolled debt. Use that as your reference point, and get ClearOne's exact rate in writing before you sign. 

This is what the math could look like on $20,000 of enrolled debt, using the 25% high end of the industry range:

Forgiven debt is generally taxable no matter the amount. You may be able to exclude it if you were insolvent when the debt settled. Consult a tax professional.

Important considerations when choosing debt settlement

While not unique to ClearOne Advantage, debt settlement has important costs to consider beyond the fees. Weigh these three before you enroll, and compare them against other debt relief options like a debt management plan or bankruptcy.

Credit score damage

Debt settlement typically hurts your credit because you stop paying enrolled creditors, and those accounts fall behind. The median drop is about 161 points within six months of enrolling according to one study. A settled account stays on your report for up to seven years.

Taxes on forgiven debt

When a creditor forgives part of what you owe, the IRS generally counts that forgiven amount as taxable income. If a creditor writes off $6,000, you could owe income tax on that $6,000. 

You may be able to avoid the tax if you were insolvent when the debt settled, meaning your debts were greater than your assets. That's why taxes on forgiven debt surprise some people at filing time. Consult a tax professional for details about your specific situation.

Lawsuit risk

Debt settlement gives you no automatic stay. Unlike bankruptcy, it doesn't stop collection calls, letters, or lawsuits. The CFPB warns that working with a settlement company could lead a creditor to file a collection lawsuit. Treat that as a genuine possibility, and know what to do if a creditor sues you during settlement.

ClearOne Advantage customer service and satisfaction

Customer service seems to be ClearOne's strongest area. Its Tempe BBB profile shows a 4.34 out of 5 customer review score across 630 reviews, and it has a 4.8 Trustpilot score across more than 10,000 reviews.

The reviews split along a clear line:

• At enrollment: Reviewers praise knowledgeable, patient specialists and a smooth signup.
• Mid-program: Complaints cluster here, with reports of slow responses after enrollment, confusion about how and when fees come out, and frustration when a creditor sues or a refund runs late.

Where is ClearOne Advantage available?

ClearOne operates in most states but not all, and it doesn't publish a full state list. Before you spend time on an application, confirm your state is covered. The fastest way is likely the free savings estimate or a quick call, both of which check your state at the start.

How do I contact ClearOne Advantage?

You have a few ways to reach ClearOne, depending on whether you're signing up or already enrolled:

• New clients: Call 888-335-0896 or email support@ClearOneAdvantage.com, Monday to Friday 8 a.m. to 10 p.m. ET and weekends 8 a.m. to 8 p.m. ET.
• Existing clients: Call 888-768-4767 or email customerservice@ClearOneAdvantage.com, Monday to Friday 9 a.m. to 8 p.m. ET.
• Online: Manage your plan through the client portal, or use live chat during business hours. ClearOne doesn't advertise a standalone mobile app.
• Offices: 410 N Scottsdale Rd, Suite 1000, Tempe, AZ 85281, and 3500 Boston Street, Baltimore, MD 21224.