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<title>Debt Settlement Questions &amp; Answers - View questions</title>
<description>ClearOne Advantage answers your questions about credit card debt settlement</description>
<link>http://answers.clearonedebt.com</link>
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		<title><![CDATA[Can we put our credit debt together as one ... (Rex\Debra McConville)]]></title>
		<description><![CDATA[Can we put our credit debt together as one or do we have apply separately.  We are married and both have some cards separate of each other, and would like to put everything as one]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_1</link>
		<pubDate>Mon, 19 May 2008 15:06:00 GMT</pubDate>
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		<title><![CDATA[Please inform the department that I joined and the ... (rodolfo)]]></title>
		<description><![CDATA[Please inform the department that I joined and the email address is wrong...please send all me correspondence to joinusrightnow@aol.com not joinusrightnow@homes.sh

This way I can send you business.
Thank you]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_2</link>
		<pubDate>Mon, 28 Jul 2008 17:38:00 GMT</pubDate>
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		<title><![CDATA[I am husband to Daphne Hamon who just entered ... (Fredric Hamon)]]></title>
		<description><![CDATA[I am husband to Daphne Hamon who just entered into your program.  The accounts you are managing are in her name.  I have a debt with Armstrong Bank in Vian, OK of about $8800.  I accepted a job over the internet that turned out to not be a job but a scam.  My contract stated I was hired to process payments to Morgan Smithfield Textiles.  The payments came in the form of Albertson's money orders made out to me.  I cashed to rounds of money orders at the bank, sent the cash Western Union and retained a commission.  The bank called and told me the money orders were fraudulent.  The bank wants their money.  The debt is unsecured.  Can you help me?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_3</link>
		<pubDate>Tue, 19 Aug 2008 09:53:00 GMT</pubDate>
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		<title><![CDATA[what do i do when creditors call? (lynn wilson)]]></title>
		<description><![CDATA[what do i do when creditors call?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_4</link>
		<pubDate>Sat, 13 Sep 2008 21:18:00 GMT</pubDate>
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	<item>
		<title><![CDATA[i want to terminate our contract,can i do that? ... (S PEREZ)]]></title>
		<description><![CDATA[i want to terminate our contract,can i do that?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_5</link>
		<pubDate>Sat, 25 Oct 2008 17:23:00 GMT</pubDate>
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		<title><![CDATA[Hi. I am interested in this program. My husband ... (Kim Gilbert)]]></title>
		<description><![CDATA[Hi. I am interested in this program. My husband has congenital heart failure which has caused a downward spiral in our finances. He had to close his business. We have about $70.000 in cc debt. We needed this money to make our daily living expenses. I have had conversatons with a banruptcy lawyer to file chaper 7. I work at Wells fargo bank and one of my cars is now in collection and ready to be charged off. Please help me with what the right decision is regarding our bills. ]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_6</link>
		<pubDate>Mon, 17 Nov 2008 19:06:00 GMT</pubDate>
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		<title><![CDATA[website to view update progress (Nikki)]]></title>
		<description><![CDATA[website to view update progress]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_7</link>
		<pubDate>Tue, 02 Dec 2008 14:07:00 GMT</pubDate>
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		<title><![CDATA[Hello, I have a website about credit card debt ... (Anna)]]></title>
		<description><![CDATA[Hello,
I have a website about credit card debt and because a few weeks ago I was browsing on Shareasale looking for good merchants, I came across your site. After some research  I was so pleased with your site, that I built a page in my site about your company.

Nevertheless, five days ago I went back to Shareasale with the intention of signing up for your affiliate program, but I could not find Clear One among their merchants.  I have also looked for your affiliate program throughout the net, but have not found it.

Do you not have an affiliate program?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_8</link>
		<pubDate>Mon, 15 Dec 2008 23:36:00 GMT</pubDate>
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		<title><![CDATA[IM OBVIOUSLY ALIVE BUT DISABLED AND MY DAUGHTER LIVES ... (JOE)]]></title>
		<description><![CDATA[IM OBVIOUSLY ALIVE BUT DISABLED AND MY DAUGHTER LIVES WITH ME IM ON DISABILITY BENEFIT OF DLA ONLY BUT NO STATE BENEFITS LIKE IN COME SUPPORT MY DAUGHTER HELPS PAY MY BILLS ALONG WITH MY DLA IS THERE A LAW THAT STATES SHE HAS TO PAY THE DEBT I OWE AS ONE OF MY DEBTORS WHO IVE PAID UNDER ARRANGEMENT FOR A YEAR ARE DEMANDING THEY HAVE PROOF OF HER INCOME,?AND SHE SAYS AS IT IS NOT HER DEBT THEY ARE NOT GETTING NOR ENTITLED TO IT SHE WORKS FULL TIME AND PAYS HER TAXES BUT SAYS SHE IS NOT RESPONSIBLE FOR MY DEBT ,IS THIS TRUE,THANKS]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_9</link>
		<pubDate>Thu, 08 Jan 2009 01:05:00 GMT</pubDate>
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	<item>
		<title><![CDATA[Can creditors garnish wages while I am working with ... (Lynn)]]></title>
		<description><![CDATA[Can creditors garnish wages while I am working with you?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_10</link>
		<pubDate>Thu, 29 Jan 2009 14:32:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[What will happen to my credit score if I ... (Jack McLaughlin)]]></title>
		<description><![CDATA[What will happen to my credit score if I enroll with you]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_11</link>
		<pubDate>Thu, 05 Feb 2009 23:02:00 GMT</pubDate>
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	<item>
		<title><![CDATA[we now will have the funds to pay our ... (debra jankowski)]]></title>
		<description><![CDATA[we now will have the funds to pay our creditors.  Would clearone advantage refund some of our monies? OR is there someway we can utilize the monies to pay these creditors now?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_12</link>
		<pubDate>Fri, 13 Feb 2009 15:40:00 GMT</pubDate>
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	<item>
		<title><![CDATA[Would this program work for government school loans (Stafford?, ... (Julie)]]></title>
		<description><![CDATA[Would this program work for government school loans (Stafford?, subsidized and non subsidized?

Just curious.

Thanks.

]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_13</link>
		<pubDate>Thu, 26 Feb 2009 23:54:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[Im not yet late on my credit cards but ... (david)]]></title>
		<description><![CDATA[Im not yet late on my credit cards but I soon will be. Im looking for solutions before that happens. Do I need to be late to make debt settlement a plausible solution?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_14</link>
		<pubDate>Mon, 09 Mar 2009 18:35:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[I just received a check from you, the amount ... (Diane Grimes)]]></title>
		<description><![CDATA[I just received a check from you, the amount is $119.35. Why did I receive this?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_15</link>
		<pubDate>Fri, 10 Apr 2009 16:47:00 GMT</pubDate>
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		<title><![CDATA[How do I write a hardship letter ? What ... (Deborah Foster)]]></title>
		<description><![CDATA[How do I write a hardship letter ? What are some of the more important things I must include in the letter, that I am about to lose my home, have high co-pays on my medicines, am laid off, that my wife is on S.S.Disability permenetly; are these the kind of things that make up a hardship letter? Your response would be greatly appreciated.         
                        Debbie]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_16</link>
		<pubDate>Thu, 21 May 2009 19:59:00 GMT</pubDate>
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		<title><![CDATA[Will you contact each creditor and let them know ... (ron burrell)]]></title>
		<description><![CDATA[Will you contact each creditor and let them know ans will they continue to call me]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_17</link>
		<pubDate>Thu, 11 Jun 2009 13:10:00 GMT</pubDate>
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		<title><![CDATA[Is there an account that I can go to ... (Dolores Williams)]]></title>
		<description><![CDATA[Is there an account that I can go to to see my settlement statement?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_18</link>
		<pubDate>Sun, 28 Jun 2009 20:48:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[What happens when I inroll in clear one and ... (percy bryant)]]></title>
		<description><![CDATA[What happens when I inroll in clear one and a creditor sues me]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_19</link>
		<pubDate>Sun, 20 Sep 2009 12:31:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[If I cannot keep up the payments, will I ... (Stephen Martin)]]></title>
		<description><![CDATA[If I cannot keep up the payments, will I get the money back I've paid in, less your fees?

When will you begin contacting my credit card companies and when will they stop calling me trying to collect?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_20</link>
		<pubDate>Thu, 08 Oct 2009 19:07:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[the money that you collect from a client that ... (Kathy)]]></title>
		<description><![CDATA[the money that you collect from a client that goes into an account and is that what you pay the creditors from? 
Also how long does it take before the creditors stop calling. ]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_21</link>
		<pubDate>Mon, 12 Oct 2009 16:46:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[I wish to have my account closed with this ... (Raymond Kossnar)]]></title>
		<description><![CDATA[I wish to have my account closed with this company.  Mt account number is: 6036335099764795]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_22</link>
		<pubDate>Mon, 28 Dec 2009 20:33:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[I have a contract with Crusedar services for 4 ... (jaweed ahmed)]]></title>
		<description><![CDATA[I have a contract with Crusedar services for 4 years for 4 banks to settle my and my wife debt settlement,banks are chasing me contineously, and crusader is not settlleing nor taking any serious step on program. Global client services taken $6000/- from my account till december 2009, I dont authorized to global services to enter in my account. so I need my money back as soon as possible, I am going to cancel my contract with Crusader. pls help me out, I have serious problem with Hamni bank.]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_23</link>
		<pubDate>Thu, 14 Jan 2010 20:15:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[My wife and I have decided that clear one ... (Tim Duis)]]></title>
		<description><![CDATA[My wife and I have decided that clear one advantage is not for us.How do we get out of the agreement once the contract has been electronically e-signed?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_24</link>
		<pubDate>Sat, 20 Feb 2010 19:49:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[I keep sending you the mail we receive from ... (Pam Mayes)]]></title>
		<description><![CDATA[I keep sending you the mail we receive from our credit cards and all I receive from you is a statement every month.  I am also have been getting calls from discover.  Can you please let me know how this is going to work for us?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_25</link>
		<pubDate>Wed, 24 Mar 2010 19:54:00 GMT</pubDate>
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		<title><![CDATA[Is it possible to pay my debts off without ... (Teresa)]]></title>
		<description><![CDATA[Is it possible to pay my debts off without my husband getting involved?  They are MY credit cards in MY name and I want to be able to pay them off by myself.  My husband has no debt, so I have been paying my credit cards, and only me.]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_26</link>
		<pubDate>Fri, 04 Jun 2010 14:50:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[If I have already entered into a DMP with ... (Mary C.)]]></title>
		<description><![CDATA[If I have already entered into a DMP with another company, can I change over to your company?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_27</link>
		<pubDate>Mon, 07 Jun 2010 21:09:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[My husband and I, Tim Johnson, have decided to ... (Patricia Johnson)]]></title>
		<description><![CDATA[My husband and I, Tim Johnson, have decided to cease our membership with ClearOne Advantage.  We have decided to go with a different company.

Therefore, we need to stop the automatic withdrawal from our bank account with Union Bank & Trust Company. 

Please email me and adise me as to the procedure we take to complete the above.

Thank you,
Patricia Johnson]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_28</link>
		<pubDate>Wed, 30 Jun 2010 05:28:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[The hard ship program wanted to know more about ... (Jennifer Robinson)]]></title>
		<description><![CDATA[The hard ship program wanted to know more about it ]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_29</link>
		<pubDate>Wed, 14 Jul 2010 19:48:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[Do you provide service to residents in New Hampshire? ... (Julie)]]></title>
		<description><![CDATA[Do you provide service to residents in New Hampshire?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_30</link>
		<pubDate>Wed, 21 Jul 2010 18:03:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[Can I be able to start with one credit ... (ram iyer)]]></title>
		<description><![CDATA[Can I be able to start with one credit card and  move to others once feel comfortable with the plan.

Please advice.

Thanks & Regards]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_31</link>
		<pubDate>Sat, 24 Jul 2010 20:55:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[I have not missed my payments and I am ... (Kim)]]></title>
		<description><![CDATA[I have not missed my payments and I am able to make the minimum payments, but realize with $40,000 debt (accrued while being out of work for 12 months) it will take many years to be debt free. Is there a 12 month program? Also, I am not willing to close my credit cards as I have accumulated "good credit" standing over the 25 years I have had the cards. Is there another option available to me?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_32</link>
		<pubDate>Mon, 26 Jul 2010 17:08:00 GMT</pubDate>
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		<title><![CDATA[I HAVE TO CALL MY CREDITORS BEFORE TO SIGNED ... (Amanda Perez)]]></title>
		<description><![CDATA[I HAVE TO CALL MY CREDITORS BEFORE TO SIGNED WITH YOU GUYS?


]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_33</link>
		<pubDate>Tue, 03 Aug 2010 16:34:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[Can this stop a judgment(in its tracks) against you? ... (Chancia Williams)]]></title>
		<description><![CDATA[Can this stop a judgment(in its tracks) against you?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_34</link>
		<pubDate>Sun, 08 Aug 2010 05:12:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[I would like to know if I will have ... (Lori Auletta)]]></title>
		<description><![CDATA[I would like to know if I will have to pay taxes on thwe amounts forgiven by my creditors.  Thanks.  ]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_35</link>
		<pubDate>Thu, 12 Aug 2010 22:22:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[my account is 6036335099393396 I sent a letter to ... (kathleen chamberlain)]]></title>
		<description><![CDATA[my account is 6036335099393396  I sent a letter to cancel our contract twice now but someone keeps calling us every day. But we can not continue your program. I am sorry haven't been able to contact you. we have had a family member pass and it has been really hard, Kathleen a Chamberlain]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_36</link>
		<pubDate>Thu, 09 Sep 2010 20:01:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[Where do I find a monthly breakdown of my ... (Anthony Allen)]]></title>
		<description><![CDATA[Where do I find a monthly breakdown of my payments and your payouts. I left the Freedom Debt relief program and asked for my balance to be summited to me. I received a check from you for $98.37. I've paid in $6,066 ($674 X 9 months)and 2 Credit Cards were paid off at $1,200 each. 
  $6066
- $2400
-------
  $3666 was the Fee for this?
PLEASE RESPOND]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_37</link>
		<pubDate>Thu, 23 Sep 2010 19:37:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[HI! HAVE YOU GUY CONTRACK ALL MY CREDIT CARDS? ... (SURIN SAITEP)]]></title>
		<description><![CDATA[HI! HAVE YOU GUY CONTRACK ALL MY CREDIT CARDS?
WHY THEY'RE STILL SEND STATEMENT AND KEEP CALL ME ALL DAY/NIGHT?
PLEASE LET ME KNOW,THANK YOU.SURIN]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_38</link>
		<pubDate>Tue, 14 Dec 2010 14:28:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[I'm guessing I will have to relinquish all credit ... (Pat Johnson)]]></title>
		<description><![CDATA[I'm guessing I will have to relinquish all credit cards, is that correct? The reason I ask is I feel safer with one for any emergencies that may arise (death in the family - we live a long way away from relatives, emergency home repairs, etc.)

Thank you,
]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_39</link>
		<pubDate>Fri, 17 Dec 2010 01:06:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[the credit card companys are calling my work!!! how ... (Joel Partible)]]></title>
		<description><![CDATA[the credit card companys are calling my work!!! how do i get them to stop Calling?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_40</link>
		<pubDate>Thu, 13 Jan 2011 01:53:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[attorneys for american express have contacted me to meet ... (ray deluca)]]></title>
		<description><![CDATA[attorneys for american express have contacted me to meet with an arbitrator in april to presumabliy settle my $4.000 with them. Amex has already written debt off so i assume the attorneys will get everyting i settle with them for.what now?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_41</link>
		<pubDate>Tue, 15 Feb 2011 03:31:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[What would be your fee before paying my debt. ... (mARIA sAIAs)]]></title>
		<description><![CDATA[What would be your fee before paying my debt. I would like to know this before I even consider.    I recently left a lawyer-based firm that would have landed me in jail and charged me $756.00 monthly and ended up taking $450.00 out for their fee first.    I will only consider you if you let me know your fee monthly.   thank you
+]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_42</link>
		<pubDate>Wed, 23 Feb 2011 22:34:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[i work part time and make about $800 a ... (Leila JONES)]]></title>
		<description><![CDATA[i work part time and make about $800 a month and I also have a disability but Social Security denied me.
My husband has been out of work for 1 and 1/2 years so we would not be able to close any credit cards just in case we cannot pay the rent.]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_43</link>
		<pubDate>Mon, 28 Feb 2011 01:37:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[I am getting sued in the Scranton area for ... (Pat)]]></title>
		<description><![CDATA[I am getting sued in the Scranton area for credit card debt. Could you please suggest a lawyer to call? On your website, you say you have local contacts. I am considering your program, but I must first deal with this lawsuit.

Thank you.]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_44</link>
		<pubDate>Thu, 10 Mar 2011 20:01:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[Can a creditor (credit union) take any other actions ... (Derek Sharp)]]></title>
		<description><![CDATA[Can a creditor (credit union) take any other actions against me before receiving judgment in court?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_45</link>
		<pubDate>Fri, 01 Apr 2011 14:29:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[i am already with money management how does that ... (margaret)]]></title>
		<description><![CDATA[i am already with money management how does that work ]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_46</link>
		<pubDate>Sat, 09 Apr 2011 07:23:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[When and how do the creditors exactly get paid? ... (joan giaime)]]></title>
		<description><![CDATA[When and how do the creditors exactly get paid?  As the money is being deposited into the settlement account, payments are not being sent to creditors.  Your Q&A stipulates at 'graduation' you are debt-free.   Also, why are you going back month after month to negotiate settlements?  Why wouldn't a negotiation take place one time and then a payment plan be set in order to pay off the debt?  ]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_47</link>
		<pubDate>Fri, 27 May 2011 19:59:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[I AM A CLIENT AND BEEN TRYING TO GET ... (BEATRICE PLUCHINO)]]></title>
		<description><![CDATA[I AM A CLIENT AND BEEN TRYING TO GET SOME OF MY QUESTIONS ANSWERED.I BELIEVE I AM ALMOST DONE 3 YEARS IS SOON TO BE UP IF I'M NOT MAKING A MISTAKE. WHAT IS TO BE DONE NEXT]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_48</link>
		<pubDate>Mon, 30 May 2011 18:19:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[What happens after graduation? (jim gobel)]]></title>
		<description><![CDATA[What happens after graduation?]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_49</link>
		<pubDate>Wed, 01 Jun 2011 22:56:00 GMT</pubDate>
	</item>
	<item>
		<title><![CDATA[Do you have to stay with the program if ... (Griselda)]]></title>
		<description><![CDATA[Do you have to stay with the program if not all of the accounts settle after a certain time?
]]></description>
		<link>http://answers.clearonedebt.com/index.php?action=open#openq_50</link>
		<pubDate>Tue, 28 Jun 2011 19:32:00 GMT</pubDate>
	</item>
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