The 4 main things that set us apart from our competitors are:

1. Our executives have a lengthy history both in financial services and in entrepreneurialism and are dedicated to providing outstanding customer service with excellent results.
2. We will provide you with an honest assessment of your situation. If we really don't think our program is right for you, we will let you know.  After all, our success is directly tied to the success our clients experience on the program. 
3. Next, we value hard work, ethics and integrity and believe we are one of the most customer service oriented companies in the industry. We have an A- from the BBB and are proud members of the American Fair Credit Council, of AFCC, (formerly  The Association of Settlement Companies or TASC).  We are also members of USOBA- the United States Organizations for Bankruptcy Alternatives.  Membership in the AFCC and USOBA both require us to abide by the organizations’ strict bylaws and policies aimed at protecting consumers.
4. Finally,  we strive to ensure all our clients are fully informed with reasonable expectations before enrolling and while in our debt resolution program.  For example, you cannot enroll in our program until you have read and understand everything about our program.  We require you read and sign a written contract spelling out our responsibilities and providing you with a good faith estimate of what to expect while enrolled in our program.  This is done prior to becoming fully enrolled and before you begin setting aside money in your settlement account.  We also call to make sure you understand everything again before officially starting.  We feel that understanding this program is very important to your program’s success and strive to help you do just that!

As your funds grow, our trained negotiators will approach each of your creditors, one by one with the goal of negotiating settlements of your enrolled accounts for less than the full outstanding balance owed. Due to our size, relationships, and knowledge of the creditors' own processes, we are in a prime position to negotiate on your behalf.

Step 4: You'll Graduate**

Our average estimated program length is 2-3 years in duration.  Obviously, individual results vary and your ability to save and set-aside sufficient funds directly impacts your program length.  Generally, the more you can set-aside, the faster we will be able to conduct negotiations with your creditors.  The goal is to settle all your enrolled debt within the projected program length, resulting in a $0 balance owed to your enrolled creditors!

**Disclaimer - Individual results may vary and are dependent on successful completion of program and ability to save and set-aside funds. ClearOne Advantage does not assume or pay any debt, nor does it provide legal advice or offer credit repair. Read and understand the contract terms before enrolling.

DMPs generally involve lower amounts of debt than debt settlement programs may accept. While enrolled in a DMP, consumers generally do not receive creditor calls; however typical program lengths are around 5 years in duration. A consumer’s involvement in a DMP may also be reflected on their credit report. Consumer’s that choose CCCS programs generally do not have problems making continued payments on their credit cards, and simply need structure and a modest interest rate reduction.

CCCS often receive funding directly from creditors by what's called a "fair share" payment.  This is often based on what the CCC can collect from you.

In comparison, debt settlement programs are generally for consumers that are experiencing a financial hardship and are designed to settle the entire outstanding balance for less than the consumer owes.  Also, debt settlement companies do NOT receive funding from creditors- our interests are aligned directly with our clients' interests.

• Contacting creditors and collection agencies yourself can be very stressful!   A debt collector’s job is to have you pay as much of the balance as possible.   We have professional negotiators that do nothing but negotiate settlements for our clients every single day.  
• We generally know approximately what creditors and collectors will settle debts for at a given period of delinquency.   We use this information when creating your specifically tailored program projections.   This knowledge has been obtained through years of settling our clients’ debt.   It would be very difficult for you to know if you’re getting a good deal without this specific knowledge.
• One of the single biggest advantages our clients have compared to trying to settle debt on their own is the motivation and support system we provide.   We are committed to our clients’ success.  Many completely overlook the importance motivation and a good support system play in one’s debt resolution success.   Just like a personal trainer works individually to motivate and help their clients succeed, our customer service and negotiations team is committed to doing everything possible to motivate and support our clients through the program.   The same sort of motivation and support system are virtually non-existent for those that try settling debts on their own.

If you enroll in a debt settlement program we offer, our goal will be to settle your enrolled debts in the shortest possible time frame for an amount you can actually afford- not just what your creditors are demanding.  We place an emphasis on providing our clients with superior, results oriented service.  To find out if you qualify for a debt settlement program, please call us at (888) 785-5376.