About us
About Clear Financial Company
Clear Financial Company negotiates unsecured debt for people across the country. We show you the fee and the downsides first, and we do not make or sell loans.
A real person answers at 866-659-7966
How we work
Four rules we work by.
They are the same rules the law sets for debt settlement, written the way we would want them explained to us.
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Your money
It stays in an account in your name.
A dedicated account in your name at a federally insured bank, held by an independent processor, that you can view online 24/7.
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Your say
You approve every settlement.
Nothing is paid to a creditor without your yes.
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The downsides
We tell you what can go wrong first.
Credit damage, lawsuits, taxes and fees, before you enroll.
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Our fee
We earn a fee only after a settlement.
20 to 29% of your enrolled debt, depending on your situation and how you enroll, charged only after a settlement is agreed and the first payment to the creditor is made.
What we do
What we do (and what we don’t)
We do
- Negotiate unsecured consumer debt: credit cards, medical bills, personal loans
- Review your cash flow with you for free when you enroll
- Show the fee in dollars before you decide
- Talk it through in English, Spanish or Hungarian
We don’t
- Make or sell loans, including consolidation loans
- Offer credit counseling, and we are not a nonprofit
- Give legal or tax advice
- Handle student loans, mortgages, car payments, other secured loans and income tax debt
- Enroll clients in states where we are not set up to work
Who picks up
Edit Furth, CEO
- No bots: a real person picks up the phone.
- A small, expert team, working since 2008.
- People abroad with a US SSN or ITIN and US debt are welcome.
Who is Clear Financial Company?
Clear Financial Company is the brand of Clear Financial LLC, a debt settlement company working since 2008. We negotiate with creditors for people who owe more unsecured debt than they can repay.
Our team is small on purpose. When you call, a real person picks up, in English, Spanish or Hungarian. We also work with people living abroad who have a US SSN or ITIN and debt in the US.
How do we get paid?
Our fee is 20 to 29% of your enrolled debt, depending on your situation and how you enroll, charged only after a settlement is agreed and the first payment to the creditor is made. The federal rule for debt relief (eCFR, opens in a new tab) forbids any fee before a debt is settled and a payment is made under that settlement.
We do not earn anything from loans, because we do not make or sell them. We are also paid by partner companies in some cases, such as when a client chooses an optional legal plan. The full picture is on how we make money.
Where can we enroll you?
We enroll clients in Florida and California. Georgia and Texas are pending counsel review. Debt settlement rules differ by state, and the list is set with legal counsel. If we do not enroll clients in your state yet, free nonprofit credit counseling is a good place to start.
The details, and every disclosure that applies, are on licensing and disclosures.
Why are there no star ratings on this site?
Because we would rather show you our math than a badge. You will not find ratings, award logos or client counts here. When we publish reviews, each one will link to the place it was posted, so you can check it yourself.
Sources
Where the facts on this page come from. Each link opens the original in a new tab.
Next step
Talk to a real person.
Call 866-659-7966, or check your state and see an illustrative estimate first. Nothing is signed until you say yes.
Four short steps
Your estimate first. Contact details last.
- 1How much you owea close guess is fine
- 2What kinds of debtpick all that apply
- 3Which state you live inchecked before anything else
- 4Your estimate, then a real person if you want one