ClearOne Advantage
Best ValueBest for Transparent, Low-Fee Settlement
3,187 verified reviews
What is ACDR Membership?
The American Association for Consumer Debt Relief (ACDR) is a trade association representing companies in the debt relief industry. Membership indicates a company participates in the association and agrees to follow its standards and code of conduct. Membership alone is not a guarantee of performance or outcomes — ReliefGuardian evaluates many additional factors when reviewing providers.
Quick Facts
Founded
2007
Headquarters
Baltimore, MD
BBB Rating
A
States Served
35+ states
Min. Debt
$10,000
Max. Debt
No maximum
Program Length
24–42 months
Fee Range
15–20%% of enrolled debt
Overview
ClearOne Advantage differentiates itself primarily through pricing transparency and lower-than-average fees. Founded in 2007 in Baltimore, Maryland, ClearOne takes a straightforward approach — no hidden charges, clear explanations of every cost, and a fee structure that typically runs 15–20% of enrolled debt, lower than the 20–25% charged by many larger competitors. For cost-conscious consumers, this can mean thousands of dollars in additional savings.
How It Works
ClearOne assigns clients a dedicated case advocate who explains the entire process upfront. Clients deposit into a dedicated account monthly, and ClearOne's team negotiates each account as funds grow. Their fee is only charged after a settlement is finalized and the client has approved it.
Our Rating Breakdown
Pros & Cons
Pros
- Lowest fee range in the industry (15–20%)
- Highly transparent pricing — no hidden charges
- Dedicated case advocate
Cons
- BBB rating (A) slightly lower than top competitors (A+)
- Not available in all 50 states
- Fewer digital tools than larger competitors
Who Is It Best For?
✅ Best For
- Cost-conscious consumers who prioritize low fees
- Those with straightforward credit card debt
- Mid-range debt ($15,000–$60,000)
❌ Not Ideal For
- Residents of unsupported states
- Clients wanting extensive digital self-service tools
Eligible Debt Types
Requirements to Qualify
- Minimum $10,000 in unsecured debt
- Currently experiencing a financial hardship
- Resident of a supported state
Customer Reviews
Daniel H. — Baltimore, MD · March 2026
"I compared four companies and ClearOne's 17% fee was by far the lowest. On a $30K debt, that's thousands less in fees. Ended up saving over $14K total after fees."
Debt Enrolled
$30,000
Amount Saved
$14,100
Rebecca F. — Richmond, VA · February 2026
"They told me exactly what it would cost on day one, and that's exactly what it cost. No upsells, no mystery fees. Refreshingly honest company."
Debt Enrolled
$22,500
Amount Saved
$10,300
Kevin A. — Charlotte, NC · January 2026
"Fantastic program if you live in a supported state. My neighbor in South Carolina couldn't enroll, which was frustrating for them. For me in NC, it worked great."
Debt Enrolled
$16,000
Amount Saved
$7,400
Why We Recommend ClearOne Advantage
ReliefGuardian's Take: ClearOne Advantage is the best option for fee-conscious consumers. Their 15–20% fee structure is among the lowest in the industry, and their pricing transparency is a genuine differentiator.
Last verified: January 2026 · ReliefGuardian evaluates providers independently based on fees, accreditation, customer service, and settlement outcomes.
Our Verdict
ClearOne Advantage is the best option for fee-conscious consumers. Their 15–20% fee structure is among the lowest in the industry, and their pricing transparency is a genuine differentiator.
Think ClearOne Advantage Might Be Right for You?
Check your eligibility with a free, no-obligation consultation.
Average savings for clients
Up to 45%
Free consultation · No obligation
No upfront fees · 100% confidential