Debt Clear USA (debtclearusa.com) has a 4.7 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 93% rating it 4 stars or higher; The business has replied to 83% of negative reviews; 4 of them were added in the last 12 months. Last updated 2026-08-12.
They charge 27% of your total debt balance, regardless of how much they actually negotiate the debt down. For example, if they settle your debt for 80% of the balance, you'll still owe their full fee—often resulting in a higher overall cost than if you negotiated directly with the lender yourself.
Don't be misled into thinking this is your only option. In many cases, you can work directly with the loan company, negotiate a settlement, and save yourself thousands of dollars in unnecessary fees.
Reply from Debt Clear USA2026-08-05
Thank you for sharing your perspective. While clients are always free to work directly with their creditors, many creditors require settlement payments in one or two lump-sum payments, which isn't financially feasible for everyone. Our program allows clients to build funds over time and typically repay settlements over 12–24 months without additional interest. While settlement results vary by creditor and individual circumstances, our goal is generally to negotiate settlements around 50% of the enrolled balance, though some creditors may settle for more or less. We encourage anyone considering their options to carefully compare the costs, payment requirements, and overall benefits before making a decision.
I called the number Debt Clear USA provided through my email after an online application and I talked with an Americor specialist. She said that I had a great credit score and would be a better option for me to have a personal loan instead of a debt relief program. She collected my information and she was evasive when I tried to understand better their work or if I needed to pay some extra fee for their help. When she transferred me to another person that checked my information again, then I received an email with a contract of their consultation service and agreement of their fee. It was a 10.9% fee on the top of the total amount I needed to quit my debt, which was an extra $2,834 over my $26,000 total debt. It is a lot for a person that is having a hardship with a divorce process and wanted help to relieve a debt, not make extra debt on this program.
I just wanted to let you guys know it was not a good experience for me. If the Americor specialist was clear since the beginning with their fee, I would not waste my or her time over the phone. Supposedly, it should relieve and not increase my debt.
Reply from Debt Clear USA2026-08-05
Thank you for sharing your feedback. We understand the importance of having a clear understanding of the program before making a decision. During enrollment, there is a significant amount of information reviewed, including program details, fees, and expectations. These details are provided during the enrollment process and included within the agreements clients receive for review and signature. We also encourage all clients to carefully review their signed enrollment documents and take advantage of our Welcome Webinar, which provides additional information about the program, including fees.
We regret that you did not feel fully informed about the process. We appreciate your feedback, as it helps us continue improving the client experience and ensuring expectations are clearly communicated throughout enrollment.
R
Red · 3 reviews · Experienced 2026-02-16 ·
★★★★★
Address?
I couldn't even complete the application because it kept telling me that my address is invalid!! I live in a very rural town, but for God's sake, I live in this house, with this address, the power company bills me according to this address, the garbage company picks up trash at this address, but this stuck up website refuses to accept it.
Reply from Debt Clear USA2026-08-05
We understand how frustrating this can be, and we're sorry to hear you ran into trouble with the application process. We'd appreciate the opportunity to help and would like to connect you directly with a member of our team by phone at #1-866-206-9726. We hope to hear from you soon.
Proceed with bankruptcy, you’ll be glad you did. Seven years is not that long.
C
Cj Keolanui · 2 reviews · Experienced 2025-08-10 ·
★★★★★
This company is really great
This company is really great. When I thought there was no way out and I was going to be in debt forever I called them after watching an ad on Facebook and they really understood me and wanted to help. I have been in the program for 9 months and its really going great. Couldn't have ask for a better solution. I will be debt free alot sooner then the road I was going down before I found them. Thanks a million.
This Company really does help you! So Glad I did it.
This company is really great. When I thought there was no way out and I was going to be in debt forever I called them after watching an ad on Facebook and they really understood me and wanted to help. I have been in the program for 9 months and its really going great. Couldn't have ask for a better solution. I will be debt free alot sooner then the road I was going down before I found them. Thanks a million.
USE A DIFFERENT COMPANY!!!
I filled out the online form and was contacted within a minute by a rep over the phone. I asked questions on how it all worked and she began explaining things to me and I was explaining my situation and in the middle she just hung up on me. It wasn't a disconnected call as they would call back. She just wanted me off her line as I was asking too many questions. It's my credit I'm trying to get answers so I think I should be able to ask questions without being hung up on. Over the following week I was bombarded with call after call from this company and a few other employees did the same thing to me when they realized i wasnt a good fit as i wanted to be forgiven not do a settlement that screws up your credit for almost a decade and they just kept calling from differenr numbers even though I asked to be removed. SHADY AF!!
Reply from Debt Clear USA2025-03-26
Hello,
Thank you for sharing your experience with us. We sincerely apologize if you felt dismissed or unheard during your call. That is never the level of service we aim to provide, and we truly value your time and questions.
We would love the opportunity to make this right and ensure all your concerns are properly addressed. Please reach out to us at [email protected], and we will gladly set up a time for a dedicated team member to go over everything in detail with you.
Your trust is important to us, and we appreciate the opportunity to assist you.
Best regards,
Debt Clear Usa
The saying one person can make a difference certainly proved true in my case. I had been considering debt consolidation for awhile, but always felt annoyed and disinterested after talking to company representatives. They always seemed to have that fast talking, urgent sales pitch that tends to make one feel there is a hidden agenda. But on March 10, 2025, I had the good fortune of speaking to one of your representatives. He was different. He was calm, patient, precise and simply stuck to the facts. He wasn't too familiar, did not share about himself, nor did he put any pressure on me to enroll. However by the end of our conversation, that is just what I did, I enrolled because of his delivery. And what a difference this program has made. The service you offer is really valuable and I already feel extremely relieved that I'm not tackling this alone. However, I do owe it to that gentleman who took his time with no gimmicks to help me see the benefit and helped me feel comfortable taking a risk.
C
Cheers · 1 review · Experienced 2025-02-25 ·
★★★★★
I called but the agent hung up on me
I called but the agent hung up on me. Poor customer service.
Reply from Debt Clear USA2025-03-26
Dear Cheers,
We sincerely apologize for the experience you had when reaching out to us. We strive to provide excellent customer service, and it’s concerning to hear that your call was disconnected. That is not the level of service we aim to provide, and we appreciate you bringing this to our attention.
We would love the opportunity to assist you and address any concerns you have. Please reach out to us at [email protected] , and we will make sure a representative is available to help you.
Your feedback is important, and we appreciate the opportunity to make things right.
Best regards,
Debt Clear USA
G
GByr · 2 reviews · Experienced 2025-01-10 ·
★★★★★
I like receiving correspondence from…
I like receiving correspondence from various members of Advantage/Americor. They have filled in several blanks for me, and have been prompt in responding.
S
S P · 1 review · Experienced 2025-01-15 ·
★★★★★
Reviews are fabricated.
If you notice, the majority of the reviews are brand new. How many people really "try to sell you on a specific representative" (note there aren't 5 reviews saying how great Richard was)!!!!
These are fabricated reviews. Click bait to seize your information and sell it. The only gain is the harassing phone calls you'll get once your info is sold.
So it's not legit. Wake up folks.
Reply from Debt Clear USA2025-01-20
Dear S P,
Thank you for sharing your thoughts. We take feedback seriously and want to address your concerns transparently.
All reviews on our platform reflect the genuine experiences of our clients. We are proud of the relationships we build with our clients and the positive outcomes we strive to achieve. While some clients choose to highlight individual representatives, others focus on their overall experience. These reviews are not fabricated, and we do not engage in selling personal information—your privacy is always our priority.
If you have concerns about your experience or would like to learn more about how we operate, please feel free to reach out to us directly at [email protected]. We would be happy to clarify any misconceptions and address any specific issues you may have.
Thank you for the opportunity to provide clarity.
Sincerely,
Debt Clear USA
L
Lee King · 1 review · Experienced 2025-01-09 ·
★★★★★
Joshua made the process seem very…
Joshua made the process seem very straight forward and understandable.
J
Jean , Jeannot · 1 review · Experienced 2025-01-08 ·
Chung was very helpful and super knowledgeable. I felt like I made a great choice joining the program. Thank you Chung !! Xoxo SP
S
Stella Rae Anderson · 2 reviews · Experienced 2025-01-08 ·
★★★★★
Joey was very helpful explaining…
Joey was very helpful explaining everything to us this is going to be a great help in a fresh start. A little scary never done any thing like this before but with the explanation and help Joey provided we are more at ease thank you
M
Michael · 1 review · Experienced 2025-01-04 ·
★★★★★
Allison was fantastic
Allison was fantastic. She was very knowledgeable and very helpful. She explained everything in great detail and I can be debt free in no time. Thank you, Allison, for a great experience.
J
John Rodriguez · 3 reviews · Experienced 2025-01-07 ·
★★★★★
Scott Campbell was great
Scott Campbell was great. Very informative. Very friendly. Made sure I understood everything.
Debt Free 26 Years Early (Americor)
Called today, instead of just going online and getting turned down again. Leroy was Very interested and helpful. Worked up a plan to help. Now I can see the light at the end of the tunnel!! I’m So Grateful!!
E
Eric RICARDO Garcia · 1 review · Experienced 2025-01-06 ·
★★★★★
I have nothing to say barely going on…
I have nothing to say barely going on my second deposit...The Calls are coming in from collections
But thy say it takes time
So I way
Only one creditor has responded to America and send me the notes of transaction
Reply from Debt Clear USA2025-01-15
Dear Eric,
Thank you for sharing your experience with us. We understand how stressful it can be to receive collection calls during this process, and we’re here to support you every step of the way.
Debt resolution is a journey that often takes time to yield visible results. While some creditors may respond quickly, others can take longer to engage in negotiations. Rest assured, we are actively working on your behalf to secure the best possible outcomes for your enrolled accounts.
We would be happy to provide you with an update and answer any questions you may have about your program. Please feel free to contact us directly at [email protected] or call our Client Services team for assistance.
Thank you for trusting us to help you achieve your financial goals. We value your patience and are committed to your success.
Sincerely,
Americor
C
Christina Gonzales · 1 review · Experienced 2025-01-04 ·
★★★★★
Everyone I spoke to was very…kind and informative. All my questions were answered with lots of detail.
Everyone I spoke to was very informative and helpful. I appreciate them all for explaining the process to me and letting me know exactly how it works.
