Question:
Dear Steve,
3 Months ago I signed with Clear One Advantage. I have been paying since May 2019. I did check with BBB. I have been reading the reviews for that company and I am scared to death.
I have 19,000 in Credit Card debt. I lost 3,000 a month income when my Pt died. I don’t know what to do or where to go. I don’t have a lot of education.
What do I need to do?
Bonnie
Answer:
Dear Bonnie,
What you need to do first is take a deep breath. This will all be resolved.
I don’t know what kind of work you do but it sounds like you are in the medical field. Recently I’ve heard from more people who were providing assistance and nursing services for dementia patients. It is a demanding service but when your patient dies it can suddenly leave you without income. Talk about having to deal with two significant stressors at the same time; debt and death.
I don’t know exactly why you feel afraid or scared because you signed up with Clear One Advantage.
There are a couple of big issues which can leave a person nervous.
One issue is the company is not providing the level of service the sales representative said you were buying. In that case, you’d have to go back and read your client agreement again to better understand the services sold and that you agreed to in the terms and conditions of the agreement. Was what you bought the same thing you were being sold.
This can also be caused when a consumer trusts the commissioned sales representative to be an independent financial advisor to recommend the most appropriate debt relief solution.
As ClearOne says in job postings, “ClearOne Advantage is looking for high-energy, sales minded individuals to join our growing Sales Account Executive team.” The job posting says sales representatives make a base salary plus uncapped commissions with weekly incentives and contests.
The role of the commissioned sales agent is to close the sale, not provide fiduciary advice.
To better understand which debt relief option may be better for your situation, use this online calculator or talk to a number of different debt reief providers like credit counseling, bankruptcy attorney, etc.
The next major issue I see is when a consumer is just getting poor customer service from a company or they feel like their concerns are not being addressed.
According to consumer reviews on the BBB site, a number of people have expressed some displeasure and the unhappy postings are brisk. But a big company will have a faster pace of postings.
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Open in new tab What to Do
Your life circumstances may have changed after enrolling and that would certainly change the more logical option for you. Based on what you shared, bankruptcy sounds like a good solution as your life stands today.
You can click here to find a local bankruptcy attorney and talk to them for free about your specific situation. Get the facts and then you can make an informed and educated decision if bankruptcy is right for you.
I’m a firm believer in giving your debt relief company a chance to fix any performance issues you might have before you just panic.
You can follow this guide to find a reasonable process for pursuing answers and concerns.
Jumping into a debt relief program for the wrong reasons is just as bad as jumping out for the wrong reasons.
Gether some more information, politely ask the company for answers, give them an opportunity to give you new advice based on your changed situation, and pursue a refund and getting out if you fail all those attempts were unsuccessful.
You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
Do you have a question you'd like to ask me for free? Go ahead and click here.
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