Quick Facts
Full Review
ClearOne Advantage was founded in 2008 in Baltimore, Maryland. With over 17 years of operation and dual accreditation from AADR and IAPDA, they've built a quiet but respectable track record in the settlement space.
How Their Program Works
Fees are 15% to 25% of enrolled debt, charged after settlements. The minimum is $10,000, and programs run 24 to 48 months. Nothing unusual about the structure. What ClearOne does well, according to reviews, is the customer service piece. Multiple review platforms highlight responsive representatives and clear communication about program status.
What Customers Say
Reviews are generally positive with customer service consistently singled out as a strength. The most common complaint mirrors the industry-wide issue: timelines extending beyond initial estimates. That's not unique to ClearOne and honestly should be expected with any settlement program.
Who Should Consider ClearOne Advantage
ClearOne is a solid, middle-of-the-road choice for people with $10,000+ in debt who value responsive customer service and dual industry accreditation. They're not flashy, they don't run Super Bowl ads, but they've been doing this for 17 years and the reviews reflect consistent quality.
Pros and Cons
Pros
- 17+ years in business (founded 2008)
- AADR and IAPDA dual accreditation
- Consistently strong customer service reviews
- Performance-based fees with no upfront charges
Cons
- $10,000 minimum debt requirement
- Program timelines may extend beyond estimates
- BBB rating not independently verified
- Lower national visibility than the biggest brands
Where to Read More
Read reviews on: Trustpilot, ConsumerAffairs
What CFPB complaint data says about Clearone Advantage
We pulled the Consumer Financial Protection Bureau's public Consumer Complaint Database on May 20, 2026. Since January 2024, consumers have filed 65 complaints against Clearone Advantage that the CFPB sent to the company for response.
Top reported issues
- Didn't provide services promised (48%)
- Charged upfront or unexpected fees (14%)
- Unauthorized withdrawals or charges (12%)
- Confusing or misleading advertising or marketing (8%)
- Problem with customer service (6%)
How the company responded
- Closed with explanation: 98%
- Closed with monetary relief: 0%
- Closed with non-monetary relief: 0%
- Closed without relief: 0%
- Responded on time to 72.3% of complaints
What consumers told the CFPB (in their own words)
"I will have to go back and find all the related information. ClearOne advantage. I had 4 accts the 4th acct never was picked up or settled and I had called at one point and asked about it. Was told once funds built back up it would be handled. Ended up being sued by company for that acct."
Anonymized complaint filed January 1, 2026, TX (CFPB Complaint ID 18408725)
"Initially the flyer sent to my home was for a debt consolidation loan but it turned out to be debt settlement. Then I got a notification that said they had reached a settlement for me and that no additional funds were required to make the settlement so I authorized it."
Anonymized complaint filed July 4, 2025, KY (CFPB Complaint ID 14471192)
Nicholas D.'s take on this data
ClearOne Advantage's 65 complaints are dominated by a single issue: "didn't provide services promised" accounts for 31 of them, nearly half, with upfront-fee and unauthorized-withdrawal complaints behind it. The number that should give a prospective client pause is the timely-response rate. At 72.3 percent it is the lowest of any settlement firm in our data, where most clear 97 percent. A late response to a federal complaint is a reasonable proxy for how responsive a company is when a client has an urgent problem mid-program. Combined with the near-total closed-with-explanation resolution pattern, the signal is a company that is slow to engage and rarely offers relief. We would steer clients toward a firm with a stronger response record unless ClearOne's specific terms are clearly better for the situation.
Source: CFPB Consumer Complaint Database. Data pulled May 20, 2026 by the Reduce Your Balances editorial team and reviewed by Nicholas D., Debt Professional.