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ClearOne Advantage is a debt settlement company that has assisted over 200,000 people. On its website, consumers can receive a free savings estimate. With over 200 certified Debt Specialists, ClearOne Advantage can help you get a personalized plan to handle your debt. ClearOne Advantage outlines an easy, four-step process for their customers. First, explain your situation and debts to one of their debt specialists. Then they’ll work with you to develop a savings plan that will work with your budget. Next, you enroll with them and ClearOne Advantage will begin working on your debt. And finally, you can monitor your account through ClearOne Advantage’s online Client Portal. ClearOne Advantage summarizes four different ways that your debt can be resolved. The first is Debt Settlement, where a ClearOne Advantage specialist negotiates your debt with the creditors. Generally, Debt settlement is cheap, effective, and fast, but it can lower your credit score. The next option is Credit Counseling, where you establish a payment plan as well as negotiate lower rates. In some cases, however, Credit Counseling may not be able to lower your debt. The third option is a Debt Consolidation Loan, such as a cash-out refinance, which is useful if you want to transfer many separate unresolved debts to a new, single debt. While this can reduce your monthly payments and help you pay off your debt quicker, you also risk losing your home if you miss your payments. And finally, Bankruptcy may be considered. Filing for Bankruptcy can clear the filer of some or all of their debts, but can seriously affect your credit report. ClearOne Advantage can help you find the option that’s best for you. If you would like help with your debt but are worried about the process, you can take comfort in the fact that ClearOne Advantage has a 100% Satisfaction Guarantee policy. Furthermore, ClearOne Advantage does not charge any upfront fees. And since they have an A+ Rating with the BBB, you know that they’re a company you can trust. This bank profile is not an endorsement or advertisement for the bank's products and services. RateZip is an independent publisher of bank information.