In order to make the best choice on the loan that will suit your needs, it is important to do thorough research before making a decision. In this review, we have compared ClearOne Advantage vs Pacific Debt Relief so you can make sure that you make the right choice.
- BBB A+ Rating
- Minimum Debt $10,000
- No Minimum Credit Score
- $3 billion+ debt resolved
- BBB A+ Rating
- Minimum Debt $7,500
- No Minimum Credit Score
- $500 million debt resolved
ClearOne Advantage Review: Ranked #1 for Debt Consolidation at Crixeo
Debt can be a real burden, making it hard to make ends meet each month. Thankfully, there are companies like ClearOne Advantage that can help. ClearOne Advantage is a debt relief company that has helped countless people lower their monthly payments and get out of unsecured debt. With a proven track record of success, they have been ranked #1 in the debt consolidation loan category by many different organizations. So, if you’re struggling with debt, ClearOne Advantage may be able to help. In this review, we’ll take a look at their services and what customers have to say about them.
ClearOne Advantage Summary
Do you have more debt than you can handle? ClearOne Advantage may be able to assist you. The company has helped thousands of people pay off their enrolled debt since 2008. In recent years, ClearOne Advantage has received a great deal of attention. But is this the right firm for your needs?
After a look into their website and terms and conditions, we found some interesting things. A few of the more notable things are highlighted below.
- This company has an excellent client satisfaction score of 9 out of 10 and a top rating from the Better Business Bureau.
- The services provided by this company are free of charge until your enrolled debt is reduced and you have achieved savings.
- They will create an affordable monthly payment plan that will help you save money.
- Clients who are committed to the program and paying off all their debt can expect to save around 50% over 24 to 60 months.
- The company has an excellent track record of helping clients pay off over $3 billion in debt.
- The client portal is available 24/7 and provides access to account information. The self-service feature allows clients to manage their accounts independently.
- Money management tips, advice on getting out of debt, and budgeting tools can be found on their website.
- Accredited member of the Consumer Debt Relief Initiative (CDRI).
- The best reputation in the debt settlement industry.
- Award-winning Customer Loyalty Group.
- The ClearOne Advantage program does not accept any debt that is secured by real estate.
What is ClearOne Advantage?
Debt can be a real struggle, but there is help available. ClearOne Advantage is a company that specializes in debt resolution, and they have helped thousands of people resolve their credit card bills and other unsecured debts since 2008.
There are lots of companies out there that claim to be able to help you with your debt, but few of them are as effective as ClearOne Advantage. What sets them apart is that their team of certified debt specialists will work with you one-on-one to create a personalized debt relief plan based on your unique situation – and, best of all, there are no upfront fees.
They are located in Baltimore, MD, and can be contacted by phone at 888-340-4697 or by email at [email protected]
How does ClearOne Advantage work?
Debt can be a weight on your shoulders, but there are ways to find relief. ClearOne offers a debt analysis and savings estimate to help you find a realistic repayment plan. One of their Certified Debt Specialists will review your situation and help you find a plan that fits your budget. This usually takes less than 20 minutes and can be done over the phone or online.
There is never one size fits all when it comes to debt relief. Your situation is unique and ClearOne will provide you with a personalized analysis to show you exactly how much we can help you save.
What happens after you sign up?
You can reduce your monthly payments to your creditors by up to 40% by signing up for their program. Your payments will be made into an FDIC-insured bank account in your name, so you can rest assured that your money is safe.
ClearOne Advantage will start working with your creditors to negotiate on your behalf as your fund balance grows. This process can help you get back on track, improve your financial situation, and allow you to easily qualify for a debt consolidation loan and not need debt resolution services again.
How to qualify for ClearOne Advantage offers?
Different people have different debt solutions that work best for them. Some may find that bankruptcy or credit repair services are their best option, while others may do better with a monthly payment through a debt settlement company. Debt settlement is a flexible solution that can be adapted to various financial situations.
Debt settlement plans help you to pay off your debt in one lump sum payment. You should save around 1.5% of your total debt each month to make this happen. For example, someone who owes $30,000 in unsecured debt should be able to put away $450 per month, which would allow for the debt to be settled in approximately three years.
ClearOne Advantage BBB
Many companies offer clear advantages, but only some live up to the hype like ClearOne Advantage. With a top-rated A+ BBB rating and accreditation since 2014, this company is one you can trust. They boast an average of 472 customer reviews with hardly any negative feedback – making them an excellent choice for your needs.
Here are some ClearOne Advantage positive reviews:
Ruthie J 07/09/2022
I’m satisfied with the debt settlement process, and payouts are all they said they would be, and they have saved us quite a few dollars… our credit took a big hit, but they told us it would. I haven’t had problems other than miscommunication, and I hope we don’t. My only problem is communication… I need to know what’s going on promptly.
Tammy J. 04/16/2022
This is a great company. They are all accommodating and understanding!!!
See If You Qualify for Credit Card Relief
See how much you can save every month — plus get an estimate of time savings and total savings — with your very own personalized plan.
Kimberly V. 03/01/2022
AMAZING customer service. I was at a loss for what to do about my financial situation, and I found this service. I recommend this company to everyone and look forward to being debt-free.
Tara R 02/04/2022
I waited a couple of months to leave this review because I needed to make sure everything was going to play out as it was explained to me, and I wanted others to know how legit this process was. So now that I’ve waited, I have to say that Armani was great to work with. He was professional, kind, and reassuring. I have never felt such a sigh of relief. I can live without the horrible stress I have been dealing with. I only wish that I had done this sooner. Now I can get on with my life and make better choices regarding any credit. Thank you!!
ClearOne Advantage FAQs
How much can you save with ClearOne Advantage?
ClearOne Advantage could help you get your monthly payment back on track and save you an average of 50% on your obligations before fees. Your savings would depend on the amount of debt you have and your creditors’ willingness to negotiate. Just check the customer reviews.
How much does ClearOne Advantage charge?
There are no hidden fees when you work with ClearOne Advantage, a leading debt settlement company. You only pay their fee once a settlement has been reached and approved. Plus, they only get paid after at least one of your monthly payments toward the settlement. Every situation is different, so their fees and costs vary depending on the case.
How does ClearOne Advantage affect your credit?
When you settle a credit card debt for less than what you owe, it will appear as a black mark on your credit report. This can create problems when you need to borrow again in the future, as lenders often use credit scores and past monthly payments to make lending decisions.
How to cancel ClearOne Advantage?
Speaking with a debt settlement consultant can be a great way to get out of debt, but it’s important to know your rights and options before signing any contracts. You can quickly get out of a debt settlement contract by requesting it in writing from the company.
Are you struggling to make ends meet? Here are some tips that may help you get back on track.
- Creating and sticking to a budget is a great way to stay on track.
- Another option is to speak with a financial advisor who can help you understand your options and develop a plan that works for your unique circumstances.
- And finally, don’t worry too much if you’re already in debt. Many companies are willing to work with customers to create a more manageable payment plan. So reach out to their customer service team for more information.
Is ClearOne Advantage legit?
ClearOne Advantage has a legit debt settlement program with superior debt negotiation services. It is accredited by the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). Its privacy policy outlines the information it collects and shares with affiliates, and its website is encrypted to keep your information secure.
In addition, ClearOne Advantage is an excellent choice for those seeking a reliable and reputable company. They have an A+ rating with the BBB and have been accredited since 2014, and most customers are happy with their experience.
Pacific Debt Relief Review: Ranked #1 by Crixeo for Debt Consolidation
Since 2002, Pacific Debt Relief has been helping people reduce their unsecured debts. With an A+ rating from the Better Business Bureau, they have helped thousands of people get out of debt. So is this company a scam or legit? This review will take a look at the company’s history, services, and fees to help you decide whether or not this is the right debt relief option for you.
Debt consolidation can be a great way to get your finances back on track. By consolidating your debts into one monthly payment, you can save money on interest and get out of debt faster. Their team of debt counselors will work with you to create a debt consolidation plan that fits your budget. They contact your creditors to negotiate lower interest rates and monthly payments, and they work with you to find a solution if you’re struggling to make your payments.
Pacific Debt is a debt consolidation company with over 20 years of experience helping people get out of debt. They focus on helping clients pay off their unsecured debts, and have helped thousands of people get out of debt.
There are many companies out there that claim to be able to help you reduce your debt, but it can be difficult to know which ones are legitimate and which ones are scams. Pacific Debt Relief is a company that has been helping people consolidate their debts for many years, and they are a legitimate company that you can trust.
Highlights
- You have Free consultation and no upfront costs
- You could save up to 35% after fees
- You can easy to monitor your account online
Trade-Offs
- Pushy staff prone to rushing you into making a decision
- Some consumers save as little as 15% after fees
- You must also live in one of the states where Pacific Debt operates in you want to use its relief program.
What is Pacific Debt Relief?
Debt relief can be a huge weight off your shoulders. Whether you’re struggling with credit card bills, medical debts, or other types of loans, there are options available to help you get out of the red. The firm has helped over 30,000 clients since 2002 and has resolved over $1 billion in outstanding debts. They’re a leading provider of relief services and have helped thousands get a fresh start.
This debt settlement company is better for consumers who have trouble making minimum payments and are concerned about reducing the amount they have to pay.
Debt relief can be a lifesaver when you’re struggling to make ends meet. Whether you’ve lost your job or are dealing with a medical emergency, getting help with your debt can give you the fresh start you need. Don’t go it alone – debt relief professionals can assist you in getting back on your feet.
Pacific Debt Relief will work with you to find a solution that fits your needs and budget. And they have an 85% success rate, so you can be sure they’ll do everything they can to get you out of debt.
How does Pacific Debt Relief work?
Pacific Debt Relief is a debt settlement company that helps consumers negotiate with their creditors to settle their debts for less than what is owed. The process of Pacific Debt Relief typically involves the following steps:
- Free consultation: Pacific Debt Relief offers a free consultation to consumers who are struggling with debt. During the consultation, a debt specialist will evaluate the consumer’s financial situation and provide personalized advice on the best course of action.
- Enrollment: If the consumer decides to proceed with Pacific Debt Relief, they will be enrolled in the program. The consumer will work with a debt specialist who will negotiate with their creditors to settle their debts.
- Savings plan: The debt specialist will work with the consumer to create a savings plan that will allow them to build up funds to pay off their debts. The consumer will make monthly payments into an escrow account, which will be used to pay off their debts as settlements are reached.
- Negotiation: The debt specialist will negotiate with the consumer’s creditors on their behalf to reach a settlement agreement. Pacific Debt Relief has relationships with many creditors and can often negotiate a lower settlement amount than the consumer could on their own.
- Settlement: Once a settlement agreement is reached, the consumer will make a payment from their escrow account to the creditor to pay off the settled debt. Pacific Debt Relief charges a fee for its services, which is typically a percentage of the total debt enrolled in the program.
- Completion: Once all the debts enrolled in the program have been settled, the program is considered complete. The consumer should see a significant reduction in their overall debt load, which should make it easier for them to manage their finances moving forward.
It’s important to note that debt settlement programs like Pacific Debt Relief are not suitable for everyone and may have a negative impact on a consumer’s credit score. Consumers should carefully consider all their options and do their research before enrolling in any debt relief program.
Pacific Debt Summary
- Accreditation: The National Association of Consumer Credit Counselors, the Better Business Bureau, and the International Association of Professional Debt Arbitrators
- Consultation: They have a free phone or online consultation with a customer services rep
- Costs: The offers 15% to 25% of the total debt enrolled. Fees vary from state to state
- Customer Service: Phone or email
- Debts accepted: To be eligible for debt consolidation, you typically need to have at least $10,000 in unsecured debt, excluding consumer finance loans, payday loans, legal judgments, and medical debts that are already in collections.
- Free resources offered: Informative debt management blog
- Restrictions: Pacific Debt services are only available in 25 states
- Service offered: Debt settlement through direct negotiations
- Trust ratings: BBB rating of A+ and 9.3 Trustpilot score
- Turnaround time: 24 to 48 months or more
How to qualify for Pacific Debt Relief?
Are you mired in debt? You’re not alone. Many people are struggling to keep up with their monthly payments. But what does it take to qualify for a debt relief plan from a company like Pacific Debt Relief? Here’s what you need to know.
For your debt consolidation plan application with Pacific Debt Relief to be accepted, you must have a minimum of $10,000 in debt and a maximum of $100,000 in debt.
If you have these qualifications, you are available to apply for a debt relief loan from Pacific Debt Relief. The process is simple and can help you get out of debt quicker than other debt relief companies.
How to sign up with Pacific Debt Relief
The first step begins with a simple phone consultation with a certified debt specialist who will ask you more about your financial situation and determine if the debt settlement program is right for you.
To arrange a free consultation with a Pacific Debt representative, please follow the steps below:
- Head to the Pacific Debt Inc. website
- Click Free Consultation and talk to a debt specialist
- Select the amount of your debt, then click See Savings
- Select how far behind you are with payments
- Choose your state of residence
- Enter all relevant contact details, then hit Submit
How much does it cost to use Pacific Debt?
The amount of debt you have and the repayment plan you choose will affect how much you pay in fees. Their fees are usually 15-25% of the debt you enroll in, so a $10,000 debt would cost you $1,500-$2,500 over the life of the loan.
This is just an estimate – your actual monthly payments will be determined by your debt settlement terms. There are no hidden fees or surprises, so you can be confident that you’re getting the best possible service. Contact Pacific Debt today and start on the path to financial freedom.
How much could you save with Pacific Debt Relief?
It might be a good idea to consider Pacific Debt Relief if you’re looking to save money on your debt. It is possible to save a significant amount of money if you save on average 50%. Fees are not included in this calculation.
After fees are taken into account, average savings range from 15% to 35%. Therefore, Pacific Debt Relief may not be your best option if you’re trying to save money. But if you’re willing to sacrifice some potential savings for the convenience of working with a reputable company, Pacific Debt Relief could be a good choice for you.
How long does it take for the Pacific Debt Relief program to begin resolving your debt?
Debt can be a major burden, but there are ways to get relief. Pacific Debt Relief offers a program that can help you resolve your debt quickly and efficiently. Once you enroll in their program, they will work with your creditors to negotiate a debt settlement agreement. This will allow you to pay off your debt in full and get back on track financially.
In most cases, debt can be resolved within 12-36 months. During this time, they will work with you to create a budget and payment plan that fits your unique financial situation. If you are struggling to make payments on your credit card debt, they may be able to negotiate a lower interest rate or monthly payment amount with your creditor.
How does Pacific Debt Relief affect your credit?
Debt relief can hurt your credit score, but there are ways to minimize that impact. Pacific Debt Relief is one such way.
Pacific Debt Relief will work with your creditors to get them to agree to lower your monthly payments and/or interest rates. This process, called debt settlement, can help you get out of debt faster.
Debt settlement is an agreement between you and your creditors to pay off your debt in monthly installments instead of the full amount owed. This way, you can save up money to pay off your debt in full.
Debt settlement can hurt your credit score, but it’s still better than declaring bankruptcy. Your creditors will report the debt as “settled” to the credit bureaus after you’ve paid it off. Although it may damage your credit score, debt settlement is a more manageable solution than bankruptcy.
How to use Pacific Debt Relief’s website?
Pacific Debt Relief’s website is a great resource if you are looking to get out of debt. Here’s how to use it to get the most out of it.
You’ll want to go to their “Calculate Your Savings” tool to see how much money you could save by working with them. Pacific Debt Relief can help you get your finances back on track.
Real-life examples always resonate more than reading about someone’s success in theory. The “Success Stories” section on Pacific Debt Relief is a great way to get inspired and see that it is possible to get out of debt.
Finally, you have to read through the “Frequently Asked Questions” section. This will answer any questions you may have about the debt settlement industry and how Pacific Debt Relief can help you.
Pacific Debt Relief BBB Reviews
You may be wondering about Pacific Debt Relief’s BBB rating before you decide to use its debt relief services. Here’s what we know about their rating and complaints history.
Since 2010, the Better Business Bureau has accredited Pacific Debt Relief and currently rates it at A+. In the last three years, there have only been three complaints closed, with one in the past twelve months. This record indicates that pacific Debt Relief is generally responsive to complaints filed against the company.
Deciding to use a debt relief company is a big step. You want to make sure you’re choosing a company that will help you get your finances back on track. The Better Business Bureau’s rating for Pacific Debt Relief is something you can take into consideration. Just remember to also read through their complaints history to get a fuller picture of the company.
Here are some Pacific Debt Relief BBB reviews:
Brian D 07/22/2022
****** was super nice and eager to help. He didn’t hesitate to explain how things work and put me at ease. He wasn’t a fast talker like someone trying to make a sale. ****** made sure I fully understood the program and what the end result would be.
Cora I 02/02/2023
Marilyn C. 02/02/2023
Is Pacific Debt Relief legit?
Many people have debt and are wondering how to pay it off. They may have heard of companies that say they can help but are unsure of whether or not these companies are legitimate. This company claims to settle millions of dollars in consumer debt each month. So is this company legit?
Pacific Debt Relief is a legitimate company that has helped thousands of people get out of debt. They have an excellent rating with the Better Business Bureau and have been in business for over 20 years. One serious drawback is the fact that they serve only half of the states nationwide.
Finding a legitimate company to help you get out of debt can be difficult. Many companies claim to be able to help, but not all of them are legitimate. Pacific Debt Relief is a legitimate company that can help you get out of debt. We recommend Pacific Debt Relief as a great choice for anyone who is struggling with debt.
