The following comparison will help you decide if ClearOne Advantage vs Point Break Financial is the right company for you, regardless of whether you need a personal loan or need help resolving your debts.
ClearOne Advantage Review: Ranked #1 for Credit Card Relief and Debt Consolidation
Through ClearOne Advantage, you can reduce your monthly payments and eliminate unsecured debt by lowering your monthly payments. Additionally, they have been ranked #1 in the debt consolidation loan category by several different organizations in addition to having a proven track record of success with their customer loyalty group. It may be possible for ClearOne Advantage to help you with debt. In this ClearOne Advantage review, we will examine their services and customer feedback.

Summary
Since 2008, ClearOne Advantage has helped thousands of clients resolve their enrolled debt.
After reviewing their website and terms and conditions, we found some interesting things.
- Better Business Bureau gives it an A+ rating and 9 out of 10 client satisfaction rating.
- Free services until you save money and reduce your debt.
- You’ll get a monthly payment plan that fits your budget.
- Over the course of 24 to 60 months, people who follow the program and pay off all of their debts can save about 50%.
- The company has resolved over $3 billion in debt for clients.
- You can access all your account info via a self-service client portal 24 hours a day, 7 days a week.
- It has budgeting tools, articles, and a debt guide.
- A member of the Consumer Debt Relief Initiative
- Reputable debt settlement company.
- Customer loyalty group with awards.
- It’s not ClearOne Advantage’s policy to accept real estate-backed secured debt.
ClearOne Advantage: What is It?

In the event that you are having trouble repaying your credit card debt or other unsecured debt, ClearOne Advantage can help. They are a leading debt resolution company that has helped thousands of clients resolve their credit card debt and other unsecured debt since 2008.
ClearOne Advantage charges no upfront fees and works with you to tailor a debt relief solution to meet your needs. In conjunction with their certified debt specialists, you will be able to negotiate lower final payment amounts with your creditors to pay back a reasonable amount of your debts – at an acceptable level.
ClearOneAdvantage is located in Baltimore, Maryland, and can be reached by telephone at 888-340-4697 or by email at [email protected].
How Does This Company Work?
To get out of debt, ClearOne analyzes your debt and estimates your savings. This process usually takes less than 20 minutes and can be performed over the phone or online. A Customer Loyalty Group Debt Specialist will assess your situation and assist you in finding a repayment plan that suits your budget.
As no two situations are identical, your debt relief analysis will be able to provide you with a detailed breakdown of what ClearOne can do for you.
After You Sign Up, What happens?
Upon enrolling in their program, you will pay a reduced monthly amount into an FDIC-insured bank account in your name, which will be used to pay your creditors each month and can amount to 40% less than what you currently pay.
As soon as your fund balance increases, ClearOne Advantage will begin negotiating with your creditors on your behalf. If you follow this process, you will be able to easily qualify for a debt consolidation loan, which will assist you in getting back on track, improving your financial situation, and avoiding the need for debt resolution services in the future.
How To Qualify For ClearOne Advantage
There’s no one-size-fits-all solution when it comes to debt. For some, bankruptcy or credit repair may be the best option, while debt settlement companies may be a better option for others. Debt settlement is a flexible solution that works in all financial situations.
As a general rule, you should be able to set aside 1.5% of your total debt each month for debt settlement. To participate in a debt settlement plan, you need to save money. A person with $30,000 in unsecured debt should be able to consistently set aside $450 a month.
ClearOne Advantage BBB Reviews
There have been almost no negative reviews on ClearOne Advantage’s 472 average customer reviews since 2014. It has an A+ BBB rating.
Here are some positive reviews of ClearOne Advantage:
Ruthie J 07/09/2022
Tammy J. 04/16/2022
Kimberly V. 03/01/2022
Tara R 02/04/2022
FAQs
How Much Can You Save With ClearOne Advantage?
The amount of debt you have and the willingness of your creditors to negotiate would determine how much you can save. Check out ClearOne Advantage’s customer reviews to see if it can help you save an average of 50% on your obligations.
How Much Does This Company Charge?
When you work with ClearOne Advantage, one of the most popular debt settlement companies, you won’t get any hidden fees. Additionally, they only get paid if you make at least one monthly payment toward the settlement. Because everyone’s situation is different, their fees and costs vary.
How Does It Affect Your Credit?
If you settle a credit card debt for less than what you owe, it will appear on your credit report as a black mark, which could cause problems when you need to borrow again.
How To Cancel ClearOne Advantage?
Before signing any debt settlement contract, you should know your rights and options. Requesting a written release from the agreement will enable you to exit the contract as soon as possible.
Having trouble making ends meet? Here are some tips to help you get back on track.
- It is possible to stay on track by developing and adhering to a budget.
- A financial advisor can also assist you in understanding your options and in developing a plan that is tailored to your specific needs.
- As well, if you are already in debt, you should not worry too much about it. Most companies are willing to work with customers to devise a more manageable payment schedule.
ClearOne Advantage: Is It Legit?

ClearOne Advantage offers a legitimate debt settlement program with superior debt negotiation services, accredited by the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). Its website is encrypted for security purposes in addition to its privacy policy, describing the information it collects and shares with affiliates.
Plus, ClearOne Advantage is an excellent choice if you’re looking for a reputable and reliable company. They have an A+ rating with the BBB and have been accredited since 2014, and most of their customers are happy with them.
Point Break Financial Review: Is It Legit Or A Scam?
Point Break Financial has offered you a pre-approval?
Is there a pre-approval code included in your pre-approved offer, as if you were personally selected to receive this offer?
Is your pre-approved offer stated as follows: “You have been pre-approved for up to $50,000 at a fixed rate as low as 5.99%”?
Is your pre-approved offer showing a reduction in your interest rate from 21% to 5.99% APR?
In your pre-approved offer, did your new monthly payment reduce from $1600 to $773?
The company’s website does not appear to be a lender. It appears to be a lead generator that primarily sells to debt settlement companies.
Point Break Financial’s website states:
This website is owned and operated by Point Break Holdings LLC. Address: 1968 S Coast Highway #1028 Laguna Beach, CA 92651. Loans are offered by Point Break Holdings LLC dba Point Break Financial affiliates. Kuber Financial, LLC dba Mobilend is an affiliate of Point Break Financial.
It seems too good to be true, doesn’t it?
Then you begin searching for reviews on the Internet.

Is Point Break Financial Legit?
Hopefully, you will be able to make an informed decision as to whether to conduct business with the company based on the information provided below.
- In no way does Point Break Financial act as a lender.
- Point Break Financial seems to be operating a bait-and-switch scheme – but not for themselves – for their lead prospects. They attempt to lure you in by offering a ridiculous 5.99% interest rate to consolidate your high-interest credit card debt.
- It is not made clear to you by Point Break Financial that you must have excellent credit to qualify for a loan with that low-interest rate (for which you have been pre-approved).
- APR/interest rates will vary according to the specific terms of the loan. Point Break Financial does not have any control over the creditworthiness eligibility criteria of participating lenders.
- Would be interesting to know how many of the consumers who received this offer actually qualify for 5.99% interest.
PointBreakFinancial.com – Generational Debt: From Millennials to Baby Boomers
According to a recent study, each generation has a different level of debt. The study found that debt levels differ across different age groups. Contrary to popular belief, it is not Millennials and younger generations that are most in financial difficulty. Using this information shared by PointBreakFinancial.com, one can gain a better understanding of the financial situation in America as well as develop strategies to resolve issues.
It is important to conduct your own research and due diligence on any company, especially when dealing with your personal finances.
Will Point Break Financial Hurt Your Credit?
Point Break Financial will not hurt your credit score. When it comes to taking care of your credit score, the services provided by Points Break Financial may make all the difference. By using these services to consolidate debt and make payments on time, it is possible that a person’s credit score could actually improve. On the other hand, different forms of relief can have conflicting results; for instance, a debt settlement or breaking a lease might result in a dip in your credit score.
Point Break Financial: Is It Legit?

When it comes to the debt relief industry, Point Break Financial is an example of what should be avoided. The company uses dubious tactics such as direct mail campaigns offering low rates, selling loan leads, and employing bait-and-switch strategies to bring customers into their debt settlement services. Before entering into any kind of financial relationship with them, we strongly recommend conducting your own due diligence on their lead buyers so that you are fully aware of all the potential risks involved.
Point Break Financial shares some similarities with Clear Coast Debt Relief in their debt relief services, but both companies have faced notable criticism and dissatisfaction from customers due to questionable practices and unsatisfactory outcomes.