3-Way Battle Royale: Freedom Debt Relief vs Accredited Debt Relief vs ClearOne Advantage

Top10.com Staff
Freedom vs Accredited vs ClearOne
Finding the right company to help relieve spiraling debt can be challenging. With so many services available and a wide variety of offerings, it can become a daunting process to identify a real solution that can check off all the necessary boxes. Even though companies provide several types of debt relief, selecting the right fit takes more than a simple search.

With such a weighty decision, it is crucial to dig deep and understand what each provider offers, and how that can help reduce or eliminate debt. What works for some may not work for others, and it is vital that you feel comfortable with your debt relief company. There are some key components that you should examine when making a decision, and the company can help clarify which features are crucial for your circumstances, and are lower on the list.

Here are  3 of the most well-known debt relief providers: Freedom Debt Relief, Accredited Debt Relief, and ClearOne Advantage. These companies have built a reputation on their success and sterling track records. Read on to see who wins this battle royale of debt relief providers.

Types of Debt Covered

Every customer has a unique debt situation. Be it a combination of credit card debt and student loans, or a large mortgage, you require services that can fit your needs. In this category, all 3 competitors offer an excellent variety of debt types covered. All 3 companies focus on serving customers with unsecured debt, but they work with several types of loans as well.





















As mentioned in the Accredited Debt Relief review, Accredited works with a wide range of unsecured debt that includes:

  • Credit cards
  • Medical bills
  • Collections and repossessions
  • Student loans
  • IRS tax debt
  • Other unsecured debts such as personal loans

Overall, it’s great to see the inclusion of tax debt and medical loans, which are not covered by all debt consolidation companies.

Freedom Debt Relief offers services for:

  • Credit card debt
  • Unsecured loans such as payday advances and personal loans
  • Collections and repossessions
  • Medical bills

The company does not offer any services for secured debt.

ClearOne Advantage aids customers with:

  • Unsecured debt from credit cards
  • Personal loans
  • Medical bills
  • Accounts with collection agencies
  • Payday loans
  • Federal credit union debts

WINNER: Accredited Debt Relief takes the first round with an excellent array of debt types covered, and especially for offering services that help with IRS tax collection, which the other two companies cannot deliver.

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Debt Relief Services Offered

One of the most important aspects of choosing a debt relief company is ensuring that it offers services that can meet your particular preferences or needs. While some may be happy with debt consolidation loans, others may be in a position where taking an additional loan is not an optimal solution. Offering a variety of services can empower you to discover the right solution for your case.













 Freedom Debt Relief focuses mainly on providing debt settlement services. The company works through a team of professionals that handle each case individually, and has a proven record of success. If customers prefer debt consolidation, they can also find it though Freedom Debt Relief, which can connect potential customers with one of the trusted loan providers.

ClearOne Advantage focuses exclusively on providing debt settlement services. It offers counseling services as part of their settlement negotiation, but it does not work with other types of debt relief strategies.

Accredited Debt Relief offers a comprehensive debt relief service. Starting with consultations, the company can provide customers with personalized solutions including bankruptcy assistance, consolidation, settlement, and credit counseling. It offers these services through a network of trusted providers, which handle the specifics of each solution.

WINNER: Once again, Accredited Debt Relief’s variety of service offerings puts it slightly ahead of the competitors. It should be noted that both ClearOne Advantage and Freedom Debt Relief offer outstanding settlement negotiation thanks to their laser focus within their fields.

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Fee Structure

When choosing a debt relief company, it is vital to choose a provider that will not cost more than the loan amounts that need to be paid. Additionally, it is important to find a service that offers a transparent fee structuring and can show results before asking for payment.

ClearOne Advantage offers a success-based payment structure. The company does not charge anything for initial consultations, or even for negotiating services. ClearOne only collects a success-based fee from customers once a settlement has been reached and the initial payment has been made.

Freedom Debt Relief does not charge customers a fee until a debt is resolved, which is a refreshing change from some competitors. The company’s fees are included in customers’ debt payments.

Accredited Debt Relief also offers a success-based model. The company does not charge any upfront fees and there are no hidden costs. Fees are collected once debts have been successfully settled.

WINNER: Freedom Debt Relief wins a narrow race, as the service lets customers avoid paying any extra fees until debts have been resolved, as opposed to when a settlement is reached. This gives customers more breathing room and guarantee for debt repayment.

Freedom Freedom Visit Site

Educational Resources

A major aspect of successfully exiting from burdensome debt is understanding its causes and what can be done to prevent it from happening again. As such, many debt relief companies offer extensive educational resources that complement their traditional services.


















Freedom Debt Relief offers an excellent overview of the different strategies available for debt relief, including detailed descriptions as well as the benefits and negatives. It also hosts an FAQ section dealing with common queries, as well as a savings estimator.

ClearOne Advantage provides customers with an impressive educational suite. The company maintains its own blog that features posts on current topics and personal finance issues, as well as a series of articles related to debt and a library of educational videos. Moreover, the company is set to unveil a webinar series for customers.

Accredited Debt Relief delivers a breakdown of the different debt relief alternatives available. Additionally, they deliver a helpful FAQ section designed to answer more common questions.

WINNER: ClearOne Advantage takes this category thanks to the diverse educational tools and it’s commitment to always providing more information when necessary.

ClearOne Advantage ClearOne Advantage Visit Site

Time Frame for Repayment

Getting out of debt is important, but escaping the financial hole in a timely fashion is crucial to avoid paying too much in interest and other related fees such as late penalties. As such, the goal for any debt relief service is to help customers lighten the debt load as quickly as possible.

Accredited Debt Relief can help customers get out of debt in an average of 24 to 48 months. While results vary, most of the customers who report success with the company do so in less than 4 years.

Freedom Debt Relief offers a similar time frame of 24 to 48 months. The company’s professionals work closely with customers to help ensure the speediest possible results.

ClearOne Advantage notes that most of its enrolled customers succeed in getting out of debt in 24 to 48 months, though results vary according to each person’s unique circumstances.

WINNER: All 3 companies offer similar time frames for solvency, making this category a closely contested draw.

Selectivity of Application

When finding a debt relief provider, it is important to work with one that can ensure a high level of success, and is qualified to deal with a customer’s specific needs and requirements. As such, how it selects customers is important.










Freedom Debt Relief works with customers that have elevated debt levels. The company asks that applicants have at least $25,000 in aggregate debt, although though there are a few other prerequisites for admission into the relief programs.

Accredited Debt Relief requests that applicants who wish to work with them have a minimum of $10,000 in total debt. If this stipulation is met, the subsequent application process is involved, with representatives offering custom possible strategies for each customer.

ClearOne Advantage looks for those customers that have a minimum of $10,000 in unsecured debt. The company’s application process helps determine whether customers are the right fit for their settlement negotiation programs.

WINNER: Accredited Debt Relief takes the crown thanks to it’s holistic approach to accepting applicants with less debt overall for the debt relief programs and partners.

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Overall Winner:

 With 3 wins in 6 categories, the winner in this battle royal is Accredited Debt Relief. The company delivers an excellent variety of debt relief services, and the network of partners means that customers can always find a solution at reasonable fees. However, all 3 providers offer unique benefits, and can also help customers meet specific requirements depending on your preferences.

Top10.com Staff
Top10.com's editorial staff is a professional team of editors and writers with dozens of years of experience covering consumer, financial and business products and services.