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ClearOne Advantage vs InCharge Debt Solutions

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Pros
  • No upfront fees
  • Free consultation with a personal debt specialist
  • The application process will not impact credit scores
  • Mobile app
Pros
  • A+ BBB rating
  • Affordable fees
  • Accredited by NFCC and FCAA
  • Many financial education resources
Cons
  • You have to have a minimum of $10,000 in credit card debt
  • Only works with customers who have unsecured debt
  • Only available in select states
  • They send your info to other similar services
Cons
  • Long program duration
  • Limited information on costs
  • Limited physical presence outside Florida
  • No mobile app
Summary

ClearOne Advantage is a debt relief services company, founded in 2008, that aims to help individuals become debt-free. They offer personalized settlement programs and expert guidance throughout the settlement process. They negotiate with creditors to reduce the amount you owe and provide ongoing support and guidance to help you pay off your unsecured debts within 24 to 60 months. ClearOne Advantage does not guarantee credit score improvement, and it's important to note that debt settlement programs may harm your credit score. Over time, they have won some accolades, including being on the Inc. 5,000 list and named Selling Power's "Best Company to Sell For." They are a member of the CDRI and follow their code of ethics. They will work with you to create a personalized plan that fits your budget and don't charge upfront fees, and you can track your progress with them through their online portal. They have generally good reviews but are not available in all states.

Summary

Since the founding of InCharge Debt Solutions in 1997, they have become a prominent nonprofit organization in the debt relief industry. Headquartered in Orlando, Florida, they are accredited by the National Foundation for Credit Counseling (NFCC) and the Financial Counseling Association of America (FCAA). They provide a wide range of services, including debt management plans, credit counseling, and debt consolidation. They have assisted millions of clients in managing and reducing over $3 billion in debt, earning a strong reputation as industry experts. Their nationwide availability, coupled with their commitment to affordable and accessible debt relief solutions, sets them apart from competitors. For a detailed look at InCharge Debt Solutions' offerings, achievements, and customer feedback, dive deeper into our full review. 

Quick Stats
  • Credit Score Impact : May impact your credit score
  • Average Net Savings : Up to 50% before fees
  • Fees : Undisclosed
  • Timeframe : 24 to 60 months for qualified debt
  • Money-Back Guarantee : True
  • Trustpilot Score : 4.9 out of 5
  • Customer Experience : Good
Quick Stats
  • Credit Score Impact : Program may lower score temporarily
  • Average Net Savings : Undisclosed
  • BBB Rating : A+
  • Fees : Enrollment fee: $50 to $75, monthly fees: $32
  • Timeframe : 36-60 months
  • Money-Back Guarantee : False
  • Trustpilot Score : 4.8 out of 5
  • Customer Experience : Good
Selling Points
  • Free, no-obligation consultation
  • Get a plan tailored to your specific financial needs
  • Get a free debt analysis to help you understand your options
Selling Points
  • Diverse debt relief options
  • No minimum debt requirement
  • Excellent debt relief record
  • Nationwide availability
Services Offered
  • Bankruptcy Counseling
  • Consolidation Loans
  • Credit Card Debt Relief
  • Credit Counseling
  • Debt Consolidation
  • Debt Counseling
  • Debt Management Plans
  • Debt Settlement
  • Loan Refinancing
Services Offered
  • Bankruptcy Counseling
  • Consolidation Loans
  • Credit Card Debt Relief
  • Credit Counseling
  • Debt Consolidation
  • Debt Counseling
  • Debt Management Plans
  • Debt Settlement
  • Loan Refinancing
Types of Debt Covered
  • Collection Accounts
  • Credit Card Debt
  • Medical Bills
  • Personal Loans
  • Private Student Loans
  • Professional Bills
  • Secured Debts
Types of Debt Covered
  • Collection Accounts
  • Credit Card Debt
  • Medical Bills
  • Personal Loans
  • Private Student Loans
  • Professional Bills
  • Secured Debts
Payment Options
  • Cash
  • Escrow/Savings Bank Account
  • Undisclosed
    Major Credit Cards
Payment Options
  • Cash
  • Escrow/Savings Bank Account
  • Major Credit Cards
Customer Support
  • Email
  • In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Ticket
Customer Support
  • Email
  • In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Undisclosed
    Ticket

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