ClearOne Advantage
Overview
For-profit debt-settlement provider operating under the ClearOne Advantage brand. The Florida registry identifies ClearOne Advantage, LLC as a Maryland foreign LLC and lists LLC, COA New Holdings as its member. No public source reviewed established a separate parent corporation, DBA relationship, or legal name change. [1]
Tax Status & Ownership
| Entity type | Nonprofit, 501(c)(3) |
| Legal name | ClearOne Advantage, LLC [1] |
| EIN | 26-3315163 [1] |
| Headquarters | 3500 Boston Street, Suite 413, Baltimore, MD 21224 [1] |
Published Fee Schedule
| Structure | flat |
| One-time setup fee | $0 one-time setup fee, according to NerdWallet; the provider states there are no upfront fees. [2][6] |
| Monthly fee | $17 monthly maintenance fee, according to NerdWallet. [6] |
| Percentage range | 18%–29% of total enrolled debt [6] |
| Directory summary | Fees not disclosed online. Reviews cite about 18–25% of enrolled debt, with NerdWallet's example running up to 29%. Charged after settlement. |
The provider’s public FAQ does not publish a percentage range. It states that fees are not charged upfront and are charged after the consumer accepts and pays toward a settlement. NerdWallet reports the percentage as based on total enrolled debt, even though payment is collected only after successful settlement activity. [2][6]
Coverage
Provider-published coverage: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, District of Columbia, Florida, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Mexico, New York, North Carolina, Oklahoma, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Washington, and Wisconsin. NerdWallet reports 48 states and separately lists exclusions; its comparison page reports a different exclusion list. The discrepancy should not be resolved without direct state-by-state confirmation. [3][6]
Accreditation & Licensing
ClearOne’s website claims ACDR accreditation and an A+ BBB rating; the ACDR member directory lists ClearOne Advantage. NerdWallet reports that ClearOne requires debt specialists to be IAPDA-accredited, but this does not establish that ClearOne Advantage itself is an IAPDA member. [2][5][6]
Regulatory & Complaint History
| CFPB complaints | |
| BBB complaints closed, 3 yr | 47 |
| Figures as of | September 18, 2026 |
BBB reports 166 complaints in the prior three years, including 47 closed in the prior 12 months and 26 marked resolved in the displayed complaint summary. These are BBB complaint-handling statistics, not adjudicated legal findings. No confirmed, adjudicated CFPB or state-attorney-general outcome was identified in the sources reviewed. [4]
Cited Sources
- ClearOne Advantage official website — ClearOne Advantage (September 14, 2026) — First-party provider website.
- Detail by Entity Name — ClearOne Advantage, LLC — Florida Division of Corporations, Sunbiz (September 14, 2026) — Government corporate registry; supports legal name, entity type, EIN, Maryland formation jurisdiction, active status, address, and listed member.
- ClearOne Advantage — About Us — ClearOne Advantage (September 14, 2026) — Provider-published source; supports brand claims, BBB/ACDR claims, and stated operating identity, but marketing claims are not independently verified by this source.
- Debt Relief by State — ClearOne Advantage (September 14, 2026) — Provider-published state-coverage list.
- ClearOne Advantage BBB Complaints — Better Business Bureau (September 14, 2026) — BBB business profile and complaint statistics; supports BBB rating/accreditation and complaint counts, but BBB complaints are not adjudicated legal findings.
- Member List — Association for Consumer Debt Relief (September 14, 2026) — Trade-association member directory; independently supports ClearOne Advantage’s ACDR membership claim.
- ClearOne Advantage for Debt Settlement: 2026 Review — NerdWallet (September 14, 2026) — Major consumer publication; supports reported minimum enrollment debt, fee range and basis, monthly fee, program availability, and IAPDA-related statement. It is secondary evidence and conflicts with the provider’s state list and another current NerdWallet comparison.