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Top Debt Management

Clear One Advantage

Clear One Advantage is a debt relief company that provides debt settlement services to consumers struggling with credit card debt, medical debt, and other unsecured debts. The company negotiates with creditors on behalf of its clients to reduce the amount of debt owed and help them become debt-free in a shorter period of time.

  • Personalized plans to fit your budget
  • No upfront fees
  • Has wiped out millions in debt since opening its doors in 2007
  • Has all major industry accreditations including AFCC, IAPDA, and FTC.
  • Minimum of $10,000 in outstanding debts to qualify
  • ClearOne Advantage doesn't disclose its cost.
  • Does not provide debt consolidation, credit repair, credit counseling, investment, or tax debt services.
Pricing Model
  • The debt analysis and savings estimate are free, confidential, and require no commitment. You will need to provide some basic information about your situation and assist them with creating a spending plan that you can afford. Clear One Advantage only charges a fee after you have enrolled, accepted and approved the settlement terms, and made a payment towards your settlement.

Accredited Debt Relief

Accredited Debt Relief is a debt settlement company that aims to help individuals and families resolve their debt problems by negotiating with their creditors on their behalf to lower their overall debt obligation and monthly payments. The company has a team of debt specialists who can help clients find the best solution to their financial problems and reduce the stress and anxiety of overwhelming debt.

  • Experienced staff: Accredited Debt Relief has a team of experienced debt management specialists who can provide personalized advice and support.
  • Over 200,000 clients enrolled
  • More than $1 billion in debt resolved
  • A+ BBB Rating
  • Free consultation: The company offers a free consultation to help clients understand their options and determine if debt settlement is the right solution for their financial situation.
  • Need $15,000 in unsecured debt to qualify
Pricing Model
  • Accredited Debt Relief's pricing model is based on a percentage of the debt enrolled in their program. They charge a fee for their services, which is typically a percentage of the total debt enrolled. The exact fee percentage can vary based on factors such as the amount of debt, the type of debt, and the client's specific financial situation. It is important to note that the fees charged by Accredited Debt Relief can be substantial and may add to the overall amount owed to creditors. provides a range of debt relief services, including debt consolidation, credit counselling, and debt settlement.

  • More than $11 billion in debt resolved
  • Accredited, nationwide support in all 50 states
  • No upfront fees and no obligations
  • Provides educational resources
Pricing Model
  • acts as a referral service, connecting consumers with service providers who can assist them with their debt-related needs, such as credit counseling, debt consolidation, or debt settlement. has partnerships with several service providers and earns a commission when a consumer chooses to use one of these providers through their website. The pricing model for's partners varies depending on the type of service provided. For example, for debt consolidation services, the partner may charge a monthly fee based on the amount of debt being consolidated. For debt settlement services, the partner may charge a percentage of the amount of debt being settled.

National Debt Relief

National Debt Relief is a New York-based debt settlement company founded in 2009 that helps consumers to resolve their unsecured debt by negotiating with creditors to lower the total amount owed.

  • 10k minimum unsecured debt requirement to qualify
  • No mobile app available with program
Pricing Model
  • National Debt Relief charges its clients a percentage of the total debt enrolled in the program as a fee for its services. The exact fee charged by National Debt Relief can vary, but it's typically a percentage of the total debt enrolled, ranging from 15-25%. The fee is only charged after a settlement has been successfully negotiated on behalf of the client and the client has made the agreed-upon payments to the creditor.

When evaluating debt relief companies, there are many factors to consider.

Reputation is one such factor that is very important. Look for reviews and testimonials from past clients to determine the company's credibility and success rate. Make sure that you have a good understanding of the company’s background, experience and expertise within the debt help industry.

Not every debt management company has the same focus. For example, National Debt Relief and Accredited Debt primarily focus on debt settlement, while Clear One Advantage focuses on credit counselling and debt management. provides a wider range of debt relief services.

It is therefore recommended that individuals research and compare these companies to determine which one best fits their specific financial needs and goals.

Look for companies that are licensed and accredited by recognized organizations, such as the National Foundation for Credit Counseling (NFCC) or the International Association of Professional Debt Arbitrators (IAPDA).

Evaluate the company's customer support, including their availability and responsiveness to client inquiries and concerns.

Ask the company for their success rate in terms of the number of clients they have helped and the amount of debt they have settled.

A company’s fees are another thing you’re going to want to consider. Make sure to understand the fees charged by the company and compare them to other options. Avoid companies that charge upfront fees before any services are provided.

By considering these factors, you can determine which debt relief company is the best fit for your specific needs and financial situation.