Debt Clear USA (www.debtclearusa.com) is a Debt Relief Company endoresed by Shark Tank’s Robert Herjavec that offers services like Debt Settlement and Debt Negotiation to help American consumers resolve unsecured debts like credit cards and personal loans. Is the company worth dealing with? Let’s review…
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Comparison Table (Debt Clear USA vs New Era Debt)
| Feature | New Era Debt Solutions | Debt Clear USA |
|---|---|---|
| Company Type | Direct debt settlement provider | Direct debt settlement provider |
| Primary Services | Debt settlement; free consultation; no loans | Debt settlement; debt negotiation |
| Minimum Unsecured Debt | Varies; May Accept 5k+. | Typically $10,000+ |
| Fees | 15%–23% of the original/enrolled debt, no upfront fees, charged only after a settlement is reached | Typically 15%-25% of the original/enrolled debt, no upfront fees, charged only after a settlement is reached |
| Availability | Available in many states (check eligibility) | Most U.S. states (check eligibility) |
| Ratings Snapshot | BBB A+; strong customer reviews | BBB A+; excellent customer reviews |
| Languages | English; Spanish support | English; Spanish support |
| Best For | Direct provider, no-loan approach, long BBB track record | Direct settlement provider, excellent customer ratings |
| Get Started | See if you qualify | Visit Debt Clear USA |
Company’s Snapshot
Robert Herjavec from ABC’s Shark Tank is an investor in the company
Debt Clear USA focuses on helping clients reduce their unsecured debts, such as credit card debt and personal loans, by negotiating settlements with creditors for a lower amount than what is owed.
- Official Name: Debt Clear USA, LLC
- Official Website: www.debtclearusa.com
- Phone: (877) 510-3328
- Headquarters: 110 SE 6th St, Fort Lauderdale, FL 33301
- Service Available in: Available in most U.S. states.
Legitimacy, Ratings & Reviews
Debt Clear USA is a certified member of the American Association for Debt Resolution (AADR) and is an IAPDA Accredited company.
- BBB Rating: A+ (maximum)
- Google Reviews: 4.9/5 stars (1,000+ reviews)
- BBB Reviews: 4.93/5 stars (350+ reviews)
- TrustPilot Reviews: 4.8/5 stars (1,300+ reviews)
Debt Clear USA is definitely a legitimate company. They have overwhelmingly positive customer feedback and top-tier ratings, including an A+ rating from the BBB and a 4.8 out of 5 stars rating from TrustPilot. This indicates a strong track record of customer satisfaction. However, as with any financial decision, it’s essential to do your own research. Debt settlement is a significant step and may not be the best option for everyone, especially if you have alternatives like credit counseling or the ability to pay off your debt through other means.
Services Offered by Debt Clear USA
Based on our review, Debt Clear USA is highly focused on one primary service:
- Debt Settlement (Debt Negotiation): This is their core service. The company negotiates directly with your creditors (like credit card companies or personal lenders) on your behalf. The goal is to get them to agree to accept a lump-sum payment that is less than the total amount you currently owe.
- Free Consultation: Like most debt relief companies, they offer a free initial consultation to review your financial situation, analyze your debts, and explain how their program works.
Unlike larger organizations, Debt Clear USA appears to be more of a specialist, focusing exclusively on settlement rather than offering a broad menu of services like credit counseling, DMPs, or bankruptcy filing.
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Debt Clear USA Pros👍:
- Excellent Customer Ratings: The company’s A+ BBB rating and high scores on TrustPilot and Google are its strongest assets, suggesting a reliable and professional service.
- Direct Service Provider: Debt Clear USA appears to be a direct provider that negotiates on your behalf, not just a marketing company that sells your information.
- No Upfront Fees: Following federal law, they do not charge any fees until they have successfully settled a debt for you.
- Bilingual Support: Reviews frequently mention the availability of Spanish-speaking representatives, making their service accessible to more clients.
Debt Clear USA Cons👎:
-
- Fees: Fees are standard for the industry (15-25% of enrolled debt) but can still be a significant cost. This is a con for all debt settlement companies.
- Potential Credit Impact: Debt settlement requires you to stop paying creditors, which will negatively impact your credit score in the short-to-medium term. This is an unavoidable part of the process.
- Higher Debt Minimum: With a typical minimum of $10,000, it may not be an option for individuals with smaller amounts of debt.
- Focused Service: If you are looking for other options like credit counseling or a DMP, you will have to go elsewhere, as they specialize only in settlement.
Debt Types They Can Help With
Debt Clear USA focuses on unsecured debts. This typically includes:
-
- Credit Card Debt: Unsecured debt that accumulates from unpaid balances on credit cards, often carrying high-interest rates.
- Personal Loans & Signature Loans: Unsecured loans from banks, credit unions, or online lenders.
- Medical Debt: Debt incurred from healthcare expenses, such as hospital bills, surgeries, and treatments, that are not covered by insurance.
- Business Debt: Certain types of business debts may be eligible.
- Private Student Loans: In some cases, private student loans can be negotiated, but federal student loans are almost never eligible.
- Divorce Debt: Debt accumulated during or as a result of divorce proceedings.
This review should help you decide whether Debt Clear USA is right for you.
Also, make sure you do your due diligence and speak to a financial advisor or credit counseling company to determine the best debt relief option available for your specific situation.
Check If You Qualify with New Era Debt Solutions
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- Free consultation • no upfront fee to review options
- No loans • one focused plan to resolve unsecured debt
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FAQ About Debt Clear USA
1. How long does the Debt Clear USA program actually take?
The review does not state a timeline. Be prepared for a long-term commitment. A typical debt settlement program takes 24 to 48 months (2 to 4 years) to complete. The exact duration depends on the total amount of your debt, the number of creditors, and how much you can afford to deposit into your dedicated savings account each month.
2. The review mentions a “con” of “potential credit impact.” What does this really mean?
The “credit impact” is not just “potential”. It is guaranteed and severe. To make the program work, you will be instructed to stop paying your creditors.
- Your accounts will become delinquent.
- Your creditors will report these missed payments to the credit bureaus.
- Your credit score will drop significantly.
- You will receive a high volume of calls and letters from collection agencies.
This damage is a necessary part of the strategy, as creditors will only negotiate once an account is severely delinquent.
3. Since I’m stopping payments, can a creditor sue me while I’m in the program?
Yes. This is one of the most significant risks not detailed in the review. Debt Clear USA cannot offer you legal protection or stop a creditor from filing a lawsuit. While their goal is to negotiate a settlement before this happens, any creditor is legally entitled to sue you to recover their money. If you are sued, you may be responsible for finding and paying for your own legal defense.
4. Are there any tax consequences?
Yes. This is a critical financial consequence not mentioned in the provided text. The IRS considers “forgiven” or “canceled” debt of $600 or more to be taxable income.
For every debt that is settled, the creditor will likely send you a Form 1099-C (Cancellation of Debt) for the amount they forgave. You are required by law to report this as income on your federal tax return for that year. This can result in a large, unexpected tax bill.
5. What happens if I want to cancel the program? Do I get my money back?
The money you pay each month goes into a dedicated, FDIC-insured savings account (escrow account) that you control. If you decide to cancel the program, you are entitled to all the funds remaining in that account, minus any fees for settlements that have already been successfully completed.
After you cancel, all negotiations will stop, and you will be solely responsible for dealing with your creditors and the now-delinquent accounts.
Amine is an entrepreneur, investor and financial writer that covers the US economy, inflation, alternative investments, cryptocurrencies and more. He has been involved in the space for over a decade.
