Clarity Debt Resolution Inc (usclarity.com) has a 2.5 out of 5 rating on OK.one, based on 64 user reviews collected here. It is listed under Money & Insurance and its reputation is poor. 50% of reviews are 1 star, a relatively high share; The business has replied to 100% of negative reviews; 62 of them were added in the last 12 months. Last updated 2026-08-10.
What people say
S
Scott Fisher · 1 review · Experienced 2025-09-22 ·
★★★★★
Avoid at all costs!
Avoid at all costs. This has been one of the most awful, infuriating, and downright exhausting experiences I’ve ever dealt with. The sales rep paints a picture of relief and simplicity when you’re at your most vulnerable, but the moment you sign up, the support evaporates. You’re basically on your own. There’s no urgency, no follow‑up, and no meaningful negotiation for over a year—long enough for you to get legally served by a law firm while the company sits on its hands. Only then do they suddenly scramble to “help,” as if the crisis they ignored wasn’t predictable from the start.
Then come the fees. By the time you “graduate” from the program, you realize you’ve gained absolutely nothing. In fact, you’ve lost more—time, money, and peace of mind. And just when you think the nightmare is finally over, the creditors start sending 1099‑C forms that you now have to report as income on your taxes. So instead of getting relief, you’re hit with a tax burden you never expected. It’s infuriating. The whole thing feels like a trap disguised as help.
Imagine trusting a program to get you back on your feet, only to end up in a worse financial position than when you started. It makes no sense. Honestly, the real fools are those of us who believed the sales pitch.
Do yourself a favor and stay far, far away from debt resolution programs—especially this one.
Reply from Clarity Debt Resolution Inc2026-02-04
Thank you for taking the time to share your feedback. We’re genuinely sorry to hear that your experience did not meet your expectations, and we understand how frustrating financial stress and legal matters can be.
We take concerns like yours seriously, and your comments have been forwarded to our management team for review. At this time, we’re unable to locate an account under the information provided.
We would welcome the opportunity to review your concerns in more detail and clarify any misunderstandings regarding the program, fees, creditor actions, or tax implications. Please contact us directly so we can assist you further:
Phone: (949) 656-3891
Email: [email protected]
We appreciate you bringing this to our attention and remain committed to addressing client concerns with care and transparency.
Many debts quickly resolved. I am very happy with their service!
Reply from Clarity Debt Resolution Inc2026-02-05
Thank you for taking the time to share your positive experience with us. Your feedback truly means a great deal to our team and serves as wonderful motivation to continue providing the highest level of service possible.
If you need any additional assistance, please do not hesitate to contact us at (855) 242-8888 to speak directly with a service specialist.
Thank you again for your kind words and for choosing our services, we greatly appreciate it.
P
Philip Ordona Marquez · 2 reviews · Experienced 2025-02-24 ·
★★★★★
CLARITY SABOTAGES SETTLEMENTS BEWARE
Clarity debt resolution sabotaged a settlement with me by violating California consumer protection laws by attempting to charge me illegal advance fees as a boundary to accept settlement. When I asked them for copies of the settlement agreement with discover and capital one they refused to give them to me or show me any correspondences, leaving me instead to get sued by the credit card. Upon finding out about the illegal advance fee that sabotaged my settlement and caused me to get sued by my credit company I promptly reported upon understanding to the CFPB. BE VERY CAREFUL WITH THIS COMPANY, they broke the Rosenthal act, claim to NOT be fiduciaries while acting as such, then sabotage your settlements in interest of profits instead of your well being. My case is LA superior court 25CHLC00215. It is public, extensive, and all the evidence (including an email from clarity demanding a fee in order to settle my debt that was "non negotiable" and a clear violation of the TSR and Rosenthal Acts. BEWARE THIS COMPANY! If anyone has this experience feel free to contact me for the exact emails where not only they lied in initiation of the contract but I have emails from them PROViNG the advance fee fraud. The reply below is a lie in a flagrant attempt to hide their actions. CFPB has also been notified. Look up clarity there for evidence.
Reply from Clarity Debt Resolution Inc2026-01-28
Thank you for taking the time to share your feedback with us. We’re sorry to hear that you did not have a positive experience.
After further review, we were unable to locate your account in our system. If you would like to discuss this matter in more detail or believe there may be additional information we should review, please contact us using the details below.
Phone: (949) 656-3891
Email: [email protected]
Thank you again for bringing your concerns to our attention. We appreciate the opportunity to review this with you and work toward a clear path forward.
J
Julie Hendy · 1 review · Experienced 2026-01-19 ·
★★★★★
They Didn’t Settle Our Debt – They Profited From It
In May 2023, Clarity told us they expected to settle our debts in about six months; instead, after more than a year in their program, I was sued by JPMorgan Chase with a trial date set for January 2025, while they provided almost nothing of real value in return. They phoned monthly with “updates” that boiled down to “no progress,” and in the middle of supposed debt negotiations, they even tried to upsell us on a loan instead of actually resolving the debt.
When they finally offered a “settlement,” the total with their fees was higher than the original debt, which they tried to push on us over the phone while refusing to send clear details by email, as if they were avoiding a paper trail. We asked at the start if we’d have to pay extra for legal services and were told over the phone it would be no cost, yet we were charged about $1,800 in legal fees throughout the program, and the only time that the legal service actually helped us was when we used it to negotiate directly with JPMorgan Chase and cut Clarity out.
The numbers they didn't share add up or match what was in the actual contract (extra fees for quick settlement), and when we challenged them in writing and laid out the discrepancies, they went silent.
As of this week, our accounts with Clarity are finally closed; we waited to write this because we were honestly worried about retaliation while debts were still being resolved. If you are considering them, DON’T—speak to a real financial advisor first, because they will almost certainly tell you this kind of program is a bad idea, and if you are already stuck with them, get every promise in writing and, where it is legal, record every phone call so you have proof when their story changes.
Reply from Clarity Debt Resolution Inc2026-01-21
Thank you for taking the time to share your feedback with us. We’re sorry to hear that your experience did not meet your expectations.
Your concerns have been forwarded to upper management for review, and a support specialist will be reaching out to you shortly to further discuss your account.
As a debt relief service, we strive to remain as transparent as possible from the time of enrollment and throughout the duration of your program, including expected timeframes, fees, and overall expectations. While some aspects of the process may be outside of our control, we remain committed to providing transparency and support at every stage.
After further review of your account, we provided a detailed ledger outlining all funds that have been deposited into and disbursed from your account from enrollment to the present. We also contacted you to review this information and confirm that there are no discrepancies in your account balance. If you would like any additional clarification regarding these funds, please do not hesitate to let us know.
If you would like to discuss your account further or have additional questions, please contact us at:
Phone: (949) 656-3891
Email: [email protected]
Thank you again for bringing your concerns to our attention. We appreciate the opportunity to review this with you and work toward a clear path forward.
B
Bowen Hendy · 1 review · Experienced 2026-01-01 ·
★★★★★
Do not use Clarity Debt Resolution
Do not use Clarity Debt Resolution. They lied about timelines, kept taking money after the debt was already paid, and dodged every reasonable request for a straight answer.
They dragged the process out for years, ignored the spirit of their own contract, and focused on piling on fees instead of actually resolving debt.
I was even sued by a major bank on an account they sat on for almost two years, and I ultimately settled directly with the bank for less than it would have cost going through Clarity once their fees were added. In the end, the program was a complete waste of time and energy with no real benefit to me.
This feels like a scam operation that preys on people in financial distress and is primarily interested in extracting as much money as possible, not helping anyone get back on their feet.
Top tip: use the third‑party attorney they make you pay for against them. That attorney can submit a debt plan directly to your creditor, allowing you to sidestep these thieves. Just do not sign anything Clarity gives you.
Reply from Clarity Debt Resolution Inc2026-01-13
Thank you for taking the time to share your feedback. We are truly sorry to hear that your experience did not meet your expectations. We take all concerns very seriously, and your feedback has been forwarded to upper management for review. A support specialist will be reaching out to you shortly to discuss your account in more detail.
As a company, we strive to be fully transparent about our program, including timelines, fees, and expectations, both during enrollment and throughout ongoing communication.
Regarding the legal action you mentioned, anytime one of our clients is sued, we do work diligently to resolve the account as quickly as possible and in your case we did, but we understand how stressful legal matters can be and regret that this situation added to your frustration.
With respect to the concerns about ongoing drafts, accounts are typically drafted until they are officially graduated from the program. That said, I can confirm that all future drafts on your account have been canceled while we wait for your account to be graduated. All Funds left in your escrow account after everything is paid off will be returned back to you as soon as your account is graduated and closed.
If you would like to discuss your account further or review any of these matters in more detail, please feel free to contact us at:
Phone: (949) 656-3891
Email: [email protected]
Thank you again for bringing your concerns to our attention. We appreciate the opportunity to review this with you and work toward a clear path forward.
Not getting that warm fuzzy feeling that I can trust them...
I've only been with them since June of 2025 and have already been served papers by one of my creditors. That is without missing any payments. They tell you to email Veritas ASAP if you are served papers for legal assistance. Well when I did I was told they require a summons page (which I did not receive from the carrier that served me) and that, "The payment that was due from Clarity to Veritas on the 2nd is currently missing, this needs to be cleared in order to process the lawsuit." I only have 14 days to respond to the summons! When I tried to call Clarity's customer service line, I was met with an automated message that directs you to the app (leaving out the apps name) and then hangs up. I tried the number they share here when they respond to negative reviews and it does something similar. I've really second guessed their legitimacy as a company.
Reply from Clarity Debt Resolution Inc2026-01-07
Thank you for taking the time to share your feedback with us. We’re sorry to hear that your experience did not meet your expectations.
When a client receives a summons, we work diligently to address and resolve the matter as quickly as possible. Additionally, please note that the phone number listed in our reviews connects directly to our support team and is not an automated message line.
After further review, we were unable to locate your account in our system. To better assist you and discuss your experience in more detail, we kindly ask that you contact us directly at your earliest convenience.
Phone: (949) 656-3891
Email: [email protected]
Thank you again for sharing your concerns. We appreciate the opportunity to review this with you and work toward a clearer path forward.
We have been partnered with Clarity for a few months now. The communication has been great, and so far thamey have been transparent. We have experienced no issues or concerns this far!
Reply from Clarity Debt Resolution Inc2026-01-05
Thank you for taking the time to share your feedback with us. We truly appreciate you taking the time to share your positive experience.
As a company, we work hard to maintain open communication with all of our clients and strive to be transparent while providing the best possible experience as we work together to help you become debt-free.
We appreciate the trust you have placed in us and are grateful to be a part of your journey toward financial freedom. If you need any further assistance, please feel free to contact us at:
Phone: (949) 656-3891
Email: [email protected]
Thank you again for your thoughtful feedback.
C
Carie Sanow · 1 review · Experienced 2025-11-21 ·
★★★★★
RIPOFF
HORRIBLE! I can't tell you the amount of time I have spent calling them and running in circles. They lie and charge fees. They have sat on payoff funds for 30 days to pay off my final two accounts. I am so glad I am DONE with this JOKE of a company. Stay away. They never did establish or work 3 others accounts, so I will handle that on my own. They claim they are saving you money, but with their fees and SLOWNESS, they are making mint!
Reply from Clarity Debt Resolution Inc2025-12-22
Thank you for sharing your feedback. We are sorry to hear that your experience did not meet your expectations.
We take all feedback very seriously. Your concerns have been forwarded to the appropriate department for review, and a support specialist will be reaching out to you shortly to discuss your account.
Our company strives to be as transparent as possible in all aspects of the services we provide, including expected timeframes for settlements and payoffs, as well as any costs associated with the program, such as fees.
We would appreciate the opportunity to discuss your concerns in more detail and work toward a resolution. Please feel free to contact us directly at:
Phone: (949) 656-3891
Email: [email protected]
Thank you again for reaching out. We value your feedback and appreciate the opportunity to assist you.
C
CD · 1 review · Experienced 2025-12-01 ·
★★★★★
They make it harder to get out of debt
When we first signed up we wanted 3 debts consolidated and paid off. They told us we would be debt free in 2 years and would only have our credit tarnished for the few months it took to work with our creditors. they misled us on how the process worked and only contacted 1 of the creditors to arrange payoff and would wait over a year to contact the others as they wanted to be sure they had enough of our money in escrow to make an offer. After a year we had enough money to pay off our other debts and took the other 2 that they still had not attempted to settle for us so our credit was still being dinged each month for non payment. I then requested that they give me a payoff for the one debt that they did settle so I could pay if off and start to rebuild my credit. They gave me an amount that they figured it would be around but needed to reach out to the creditor for a final payoff amount. During this time (7 months so far) they kept taking the full amount out of my account that was for all 3 creditors and now have over 4 times the amount of money they need in my escrow to pay off the debt. I have asked repeatedly for them to stop taking money out and finalize my payoff, they have still not done this. I filed with BBB and they finally reached out to say they would finalize my account and refund me the overage, but have not done so yet..... we will see!
Reply from Clarity Debt Resolution Inc2025-12-02
We appreciate you taking the time to share your experience. We understand how important it is for our clients to feel supported throughout the process, and we want to ensure your concerns are fully acknowledged. Our team is committed to providing clear guidance and continually improving the services we offer.
Based on the details provided, we have not been able to identify your account in our system. To better understand your situation and assist you appropriately, we have reached out to you privately to request additional information. Once we receive your response, we will promptly review your case and determine the most suitable next steps.
Your feedback helps us strengthen our communication and refine our internal processes. If you would like immediate assistance, please feel free to reach out to us directly:
Phone: (949) 656-3891
Email: [email protected]
Thank you again for bringing this to our attention.
R
Rob Migliosi · 2 reviews · Experienced 2025-11-26 ·
★★★★★
Talk about vultures!
Talk about vultures! I enrolled in their program 1 year ago with the promise that I would get debt relief... instead, they have magnified my burden and I ended up cancelling my program and enrolling in a much better one (Accredited). Clarity is all about padding their own wallets and taking advantage of people in a vulnerable situation. BEWARE!!! I wish there was a lower score I could leave...
Reply from Clarity Debt Resolution Inc2025-11-28
Thank you for sharing your feedback. We are sorry to hear that your experience did not meet expectations, and we appreciate the opportunity to review this further.
Your comments have been forwarded for internal evaluation, and we have already attempted to reach out to discuss your concerns. Our goal is to walk through your situation, clarify any misunderstandings, and provide a prompt and fair resolution.
While individual results may vary due to factors such as account circumstances and creditor cooperation, our commitment to transparent communication and client support remains the same. We welcome the opportunity to speak with you directly so we can address any outstanding matters.
If you would like to connect with us, please reach out at your convenience:
Phone: (949) 656-3891
Email: [email protected]
We look forward to hearing from you.
I’m going to wait until everything is done. I don’t think it’s a time to do it.
Reply from Clarity Debt Resolution Inc2025-11-24
Thank you for sharing your thoughts. We understand that you prefer to wait until your experience is complete before sharing more, and we appreciate you taking a moment to let us know.
If at any point you have questions, need clarification, or would like updates on your progress, our team is always available to assist. We remain committed to supporting you each step of the way and ensuring you have the information you need throughout your journey.
Thank you again for taking a moment to share your experience so far.
Poor communication, app is a joke and still can’t log in . Found out you settled a debt by running across it in a email. Of which the deals made so far is not good . With your 25% we back to where it was .
Oh not to mention the fees , oh the fees that were not disclosed. I could literally make better deals myself with the creditors. Don’t believe me , look it up .
Reply from Clarity Debt Resolution Inc2025-11-18
Thank you for bringing this matter to our attention. It's unfortunate to hear that your experience didn’t meet your expectations.
We understand how challenging financial situations can be, and we recognize the importance of clear communication throughout the debt relief process.
Outcomes may vary based on several factors, including creditor cooperation, account details, and client participation in the program. These elements may influence results and timelines.
We want to assure you that our team has followed program procedures and applicable regulations, including providing required disclosures and documentation through multiple communication channels.
Your satisfaction remains a priority to us, and we want to ensure you feel fully supported. We’ve escalated your case to the appropriate department for a careful review, and one of our agents will be reaching out to you shortly to discuss your concerns and work toward a prompt and timely resolution.
If you prefer, you may also contact us directly at:
Phone: (949) 656-3891
Email: [email protected]
W
Wendy · 2 reviews · Experienced 2025-11-17 ·
★★★★★
Professional support through tough times
I found all of the verbal and written communications to be helpful at a time when I was very anxious about my finances. Jason was able to share happy news that I graduated from the debt resolution program-so happy to be debt free! Jason was very personable and professional on the phone today. thank you for your helpful service from debt settlement, legal resources for settlement negotiation and monthly calls to answer any questions that I had-grateful for this professional support!
Reply from Clarity Debt Resolution Inc2025-11-18
Thank you for sharing your experience. We’re glad to hear that you felt supported throughout your journey, and congratulations on successfully graduating from the program. Knowing you felt informed, reassured, and cared for along the way truly means a lot.
Every financial situation is unique, and while results may vary, we remain committed to providing clear guidance, transparency, and attentive support at every stage.
We appreciate the trust you placed in us and are grateful to have been part of your journey. If you ever need assistance in the future, we’re always here to help.
Thank you again for your thoughtful feedback.
Great customer services and knowledge of their business. The only reason they didn’t get 5 stars is customer service has fallen off after the first year and also they offered me a loan after I made payments 6 months without being late to take care of my debt completely, then I tried to follow up and even called to inquire about the loan and they said someone would get back with me and I never heard anything back from them. That’s my only complaint. Everything else has been great
Reply from Clarity Debt Resolution Inc2025-11-17
Thank you for your kind words and for taking a moment to share your experience. We’re glad to hear that things have been running smoothly and that our team has been able to offer the support you need along the way. Making sure every client feels heard and receives the clarity and attentiveness they deserve is a priority to us.
We also appreciate you mentioning your concerns regarding follow-up and communication. Consistent support is important, and your feedback helps us identify where we can improve. Your comments have been shared with the appropriate department for review so we can continue strengthening the quality of service we provide.
Every financial situation is unique, and while past outcomes cannot guarantee future results, we remain committed to providing clear guidance, transparency, and support throughout each client’s journey.
If you ever have questions or need anything in the future, please don’t hesitate to reach out. We’re always here to help.
Thank you again for your feedback and for being a valued part of our community.
After the initial settlement was reached, they reached out a few weeks later upselling a legal fee. Then 6 months after that they want to increase my payment terms by hundreds of dollars each month
Reply from Clarity Debt Resolution Inc2025-11-17
We’re sorry to hear that your experience has not met your expectations. Your feedback is important to us, and we’re committed to reviewing your concerns thoroughly.
Your comments have been forwarded to the appropriate department for further evaluation. A dedicated team member will be reaching out to review your account with you, answer any questions you may have, and help ensure you have clarity on how the program works moving forward. Our goal is to make sure you feel supported and informed throughout the process.
We aim to communicate program details and expectations as clearly as possible, and we understand how important consistency and transparency are throughout the process. While certain adjustments can occur based on factors outside of our control, we remain committed to supporting you and providing clarity every step of the way.
If you need direct assistance, you can reach our support team at:
Phone: (949) 656-3891
Email: [email protected]
Thank you for providing your feedback. It is an important part of our ongoing efforts to enhance the quality of our client experience.
J
Jeremy · 3 reviews · Verified · Experienced 2025-04-03 ·
★★★★★
Didnt settle one of the debts in time
Didnt settle one of the debts in time. Had to settle in court with one credit card. Would call asking for clarification never heard back from legal rep. Need to lower my monthly since im paying one credit direct now.
Reply from Clarity Debt Resolution Inc2025-11-06
Thank you for bringing this matter to our attention. It's unfortunate to hear that your experience didn’t meet your expectations. Please know that we take your concerns very seriously, and we’re committed to addressing them.
While results may vary and specific outcomes can’t be guaranteed, our team strives to ensure every client receives clear communication, transparency, and dedicated support throughout their program.
Your file has been forwarded to the appropriate department for further review. A team member will be reaching out to discuss your concerns and work toward a prompt resolution.
Debt relief is a collaborative process, and success depends on factors such as account details, creditor cooperation, and overall engagement with the program. That said, we continue to review each file thoroughly and act in accordance with all applicable regulations and program policies.
If you’d like to share additional details or need further assistance, please don’t hesitate to contact us at:
Phone: (949) 656-3891
Email: [email protected]
Thank you again for your feedback, we appreciate the opportunity to address this directly with you.
L
LMF · 1 review · Experienced 2025-11-03 ·
★★★★★
Logan was patient
Logan was patient, very helpful in explaining the process with the creditors and with Clarity. All my questions were answered and I am reassured that my financial situation with the creditors is progressing at the pace it should. It was a pleasure talking with him.
Reply from Clarity Debt Resolution Inc2025-11-04
Thank you for sharing your feedback!
We are glad to hear that that you've had a positive experience with us. Making sure every client feels heard and receives the clarity and attentiveness they deserve is important to us.
Every financial journey comes with its own challenges and goals. While each situation is unique and results may vary, we remain committed to providing thoughtful and attentive support throughout the process and appreciate the trust you have placed in us greatly.
If you have any questions in the future or need additional assistance, we are always here to help.
Thank you again for being a valued part of our community.
Thank you for sharing your feedback.
We’re truly sorry to hear that you felt your time was wasted. Our goal is to ensure every client has a supportive and positive experience, and we value your feedback to help us do better.
Your review has been forwarded to the appropriate department for further evaluation, and a dedicated team member will be reaching out to you to ensure your concerns are addressed directly.
Clear communication and attentive support are very important to us, and we appreciate you bringing this to our attention.
In the meantime, if you need immediate assistance, please contact us at:
Phone: (949) 656-3891
Email: [email protected]
Thank you again for your feedback and for giving us the opportunity to make things right.
be truth full and communicate and do what was told !!!!
Reply from Clarity Debt Resolution Inc2025-11-03
Thank you for taking the time to share your feedback. We’re sorry to hear that your experience hasn’t met your expectations. Your concerns are very important to us, and we take them seriously as part of our ongoing commitment to improving client care.
At Clarity Debt Resolutions, we strive to ensure every client receives transparent communication, dedicated support, and a clear understanding of their program at every stage.
Your concerns have been forwarded to the appropriate department for further review, and a dedicated team member will be reaching out to assist you directly. Please know that we value the trust you’ve placed in us and remain committed to working with you toward a timely and fair resolution. We continue to focus on enhancing your experience.
If you’d like to discuss your experience further or need additional assistance, please don’t hesitate to contact our support team:
Phone: (949) 656-3891
Email: [email protected]
We appreciate the opportunity to address your concerns and will continue striving to provide you with attentive, high-quality support.
Great personal! Especially when you feel alone, they really care about your situations. Thank you so much. Jeffrey
Reply from Clarity Debt Resolution Inc2025-10-30
Thank you for your feedback, we truly appreciate you taking the time to share your journey. We're happy to hear that our team made you feel cared for and supported.
While every situation is different, we remain committed to offering clear guidance, consistent communication, and thoughtful service throughout the process.
We’re grateful for the opportunity to be part of your journey toward greater financial stability. If you ever have questions or need support in the future, please don't hesitate to reach out to us directly at:
Phone: (949) 656-3891
Email: [email protected]
We appreciate your kind words and are grateful for your feedback.