Debt can be a heavy burden, causing stress and anxiety for individuals struggling to make ends meet. ClearOne Advantage, a reputable debt consolidation company, aims to alleviate this burden by providing personalized debt relief services to individuals with a debt of $15,000 or more.
With over 10 years of experience in the field, ClearOne Advantage has earned a solid reputation for helping people consolidate and pay off their debts efficiently.
In this comprehensive review, we will delve into the company’s services, pricing, application process, customer reviews, and more, to determine if ClearOne Advantage is a legitimate and viable solution for those facing overwhelming debt.
Summary of ClearOne Advantage::
ClearOne Advantage is a Baltimore-based debt consolidation company with a focus on helping individuals overcome their financial challenges.
They cater to clients residing in one of the 22 states they service, whose debt surpasses $15,000. Offering a range of debt consolidation services, ClearOne Advantage assists with credit card debt, medical debt, collection debt, and various other types of debt.
Pros and Cons of ClearOne Advantage:
As with any service, there are pros and cons to consider when choosing ClearOne Advantage.
- Personalized Plans
- No Upfront Fees
- Free Savings Estimate
- Excellent Customer Support
- Limited State Coverage
- Potentially Costly Services
ClearOne Advantage Services:
ClearOne specializes in debt consolidation services, assisting individuals with debts of $15,000 or more. Their team of debt specialists can handle various types of debt, including credit card debt, medical debt, and collections.
ClearOne Advantage Pricing:
The cost of ClearOne Advantage’s services typically ranges from around 20% to 25% of the total debt amount. It is important to consider this fee when evaluating the overall financial impact of the debt consolidation process.
How to Qualify:
To qualify for ClearOne Advantage’s debt consolidation services, individuals must reside in one of the 22 states the company services. Moreover, their debt should exceed $15,000. These eligibility criteria play a crucial role in determining if ClearOne is the right fit for a person’s financial situation.
The Application Process:
The application process with ClearOne Advantage is straightforward. Individuals begin by entering the total amount of their debt and the type of debt they carry.
Subsequently, they provide personal details such as name, email address, home address, and the last four digits of their Social Security Number. Notably, this process does not affect their credit score, and there is no charge for trying. After submitting the necessary information, a ClearOne debt specialist contacts the individual to guide them through the process.
ClearOne Advantage Contact Info:
ClearOne Advantage prides itself on excellent customer support. Individuals can easily reach a ClearOne representative by phone or email during business hours.
Their phone lines are open from Monday to Friday, 7:00 AM – 11:00 PM (EST), and on weekends, Saturday to Sunday, 8:00 AM – 11:00 PM (EST). For inquiries outside these hours, sending an email will yield a swift response.
Additionally, ClearOne offers a resource center on their website, containing FAQs, information about upcoming seminars, and an education center with articles to help individuals learn more about their program and debt solutions.
ClearOne Advantage Customer Reviews:
A company’s reputation is often reflected in the experiences of its customers. ClearOne Advantage boasts numerous satisfied clients who have shared their positive experiences on platforms such as TrustPilot and social media.
With over 5,000 reviews on TrustPilot and an impressive aggregate score of 4.7/5, it is evident that the majority of users consider the service “excellent.”
Conclusion
In conclusion, ClearOne Advantage is a reputable debt consolidation company with a decade of experience in helping individuals overcome financial hardships. They offer personalized debt consolidation plans, cater to various types of debt, and have a solid track record of satisfied customers.
While their services may not be available in all states, ClearOne Advantage’s dedication to customer support, educational resources, and transparent application process makes them a strong contender for individuals seeking to consolidate $15,000 or more in debt.
Before committing to any financial service, it is crucial to assess one’s individual needs and financial situation.
We recommend potential clients take advantage of ClearOne Advantage’s free savings estimate and consult with a debt specialist to determine if their services align with their specific requirements. In the end, a well-informed decision will pave the way towards a debt-free future and greater financial stability.
Frequently Asked Questions
Here are 10 frequently asked questions about ClearOne Advantage.
How does ClearOne differ from traditional debt consolidation companies?
ClearOne stands out by providing personalized debt consolidation plans and not charging any upfront fees. They focus on individual needs, offering tailor-made solutions to help clients become debt-free sooner.
Can I qualify for ClearOne Advantage's services if my debt is less than $15,000?
Unfortunately, ClearOne requires a minimum debt amount of $15,000 to qualify for their debt consolidation services. However, you can explore other debt relief options for smaller debts.
What happens if I live outside of the 22 states ClearOne services?
If you reside in a state not covered by ClearOne, you won’t be eligible for their debt consolidation services. However, you can research and consider other reputable debt consolidation companies operating in your state.
Will my credit score be affected if I apply for ClearOne Advantage's services?
No, your credit score will not be impacted during the application process with ClearOne. They perform a soft credit pull to review your debts and bills, ensuring your credit remains unaffected.
How long does the application process with ClearOne Advantage typically take?
The application process is quick and straightforward, often taking less than 20 minutes. After submitting your information, a ClearOne debt specialist will contact you to guide you through the process.
Can I continue using my credit cards while enrolled in ClearOne's program?
ClearOne recommends that you stop using your credit cards during the debt consolidation process to avoid accumulating further debt. Instead, focus on making regular payments into your debt settlement account.
What happens if I miss a payment during the debt settlement process?
If you miss a payment, contact ClearOne immediately. Missing payments can potentially delay your settlement, and you may face collection calls or even a lawsuit from creditors.
Is ClearOne Advantage accredited by any industry associations?
ClearOne is not accredited by the American Fair Credit Council (AFCC) or the International Association of Professional Debt Arbitrators (IAPDA). However, they have been in business for 16 years and have built a strong reputation. means to save money for future settlements.
Can I track the progress of my settlement with ClearOne Advantage?
Yes, it allows users to track the progress of their settlement online. They also offer customer support seven days a week to address any inquiries or concerns.
What types of debts does ClearOne settle?
ClearOne specializes in settling unsecured debts, including credit card accounts, personal loans, and payday loans. They aim to negotiate with creditors to lower the total debt amount, helping clients achieve debt relief.