Clear Financial 866-659-7966

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See your estimate before you share a phone number

How much you owe, what kinds of debt, and your state. Then your illustrative estimate, with the fee in dollars. Contact details come last, and only if you want a copy.

Four short steps · estimate before contact

Four questions, then your numbers

Step 1 of 4

How much unsecured debt do you have?

A close guess is fine. No personal details yet.

$10,000$150,000

We work with $10,000 or more of unsecured debt, and at least $500 per creditor.

What kinds of debt is it?

Choose all that apply.

We can’t help with student loans, mortgages, car payments, other secured loans or income tax debt.

Which state do you live in?

Debt settlement rules differ by state, so we check this before anything else.

Your estimate

You might settle your accounts for

$11,250 to $15,000

Settled: 45 to 60% of balanceWith our fee: 65 to 89%

Enrolled debt
$25,000
Fee (20 to 29% of enrolled debt)
$5,000 to $7,250
Total with fee
$16,250 to $22,250
Less than you owe
$2,750 to $8,750
Program length
about 28 months
Monthly deposit
$580 to $795

Illustrative estimate. Results vary; not all debts settle. Your credit score will drop, creditors may sue, and forgiven debt may be taxable.

Want a copy by email? Tick the box too if you would like a call.

Prefer to talk? Call 866-659-7966

After you send it

Nothing happens unless you decide it should.

  1. 1If you asked for a copy, we email your estimate.
  2. 2If you ticked the call box and gave a number, a member of our team may call you from 866-659-7966 to walk you through it. If not, we will not call or text you.
  3. 3Before you enroll, you hear the fee, the timeline and the downsides, and you get the agreement in writing.
  4. 4Nothing is signed and nothing is paid until you say yes.

Rather talk first? Call 866-659-7966

Things you should know

Read these before you enroll anywhere.

Read these before you enroll anywhere, including with us. They apply to every debt settlement program.

  • Your credit score will drop during the program, and late payments stay on your credit report.
  • Creditors may keep collecting while you save, and they can sue. The program does not stop legal action.
  • Interest and late fees can keep adding to your balances until each account settles.
  • Forgiven debt may be taxable income. A creditor may send you IRS Form 1099-C.
  • Fees apply. The 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.
  • Not all creditors agree to settle, and not everyone completes the program.
  • We do not guarantee any amount, percentage or timeline.
  • Debt settlement is not available in all states. We are not a nonprofit or a credit counseling service, and we do not lend money.
  • We do not give legal or tax advice. Talk to an attorney or a tax professional about your situation.
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