Is Clear Coast Debt Relief Legit? Real Reviews And Insights

February 03, 2025

Struggling with debt and looking for real solutions? You’re not alone—and you don’t have to navigate it by yourself. Many people feel trapped under growing balances and never-ending interest. That’s why reading Clear Coast debt relief reviews can be a helpful first step in exploring options. Companies like Clear Coast Debt Relief offer structured settlement programs designed to help you regain financial control and move toward a debt-free future.

But is Clear Coast the right choice for you? Does it actually work, and what are real customers saying about their experience?

In this article, we’ll take a closer look at Clear Coast Debt Relief’s services, how their programs work, and what real people are saying, so you can make a confident, informed decision about your next financial step.

What Is Clear Coast Debt Relief

Clear Coast Debt Relief is a financial services company that helps individuals reduce and manage unsecured debt—primarily through debt settlement programs. Operated by Clear Coast Financial Group, LLC, the company is based in Jupiter, Florida, and has been active since 2018.

Rather than offering loans, Clear Coast works by negotiating with creditors on behalf of clients, aiming to settle debts for less than the full amount owed. This approach is designed for people who are overwhelmed by credit card balances or other unsecured debts and are looking for alternatives to bankruptcy or long-term repayment plans.

Clear Coast promotes its services through online platforms and direct mail, often targeting consumers who have received pre-qualification offers. While it is not accredited by the Better Business Bureau (BBB), the company maintains an A+ rating and has received a mix of positive and critical feedback from past clients.

Debt relief can be a powerful tool—but it’s not one-size-fits-all. If you’re wondering whether Clear Coast is the right choice for your situation, keep reading to hear what real customers have experienced and what you should know before making a decision.

How Does Clear Coast Debt Relief Work?

Clear Coast Debt Relief uses a structured debt settlement approach designed to help you reduce what you owe and become debt-free faster than with traditional repayment plans. Here’s how the process generally works:

1. Free Consultation

It all starts with a free, no-obligation consultation. A representative will review your financial situation—your income, expenses, and total debt—to see if you’re a good fit for one of their relief programs.

2. Enrollment & Account Setup

If you decide to move forward, you’ll enroll in the program and get a dedicated savings account set up in your name. Instead of paying creditors directly, you’ll make a monthly deposit into this account. This money will eventually be used to settle your debts.

3. Negotiating With Creditors

Once there’s enough money in your account, Clear Coast’s team steps in to negotiate with your creditors. Their goal is to reduce the total amount you owe, ideally getting them to agree to a lump-sum payment that’s less than the full balance.

4. Settlement Approval

When a settlement offer is reached, you get to review and approve it. If you’re on board, the agreed-upon amount is paid out from your account to the creditor—closing out that debt.

5. Completing the Program

This process is repeated for each enrolled debt until everything is settled. Most clients complete the program in about 12 to 48 months, depending on how much debt they have and how much they’re able to save each month.

It’s a step-by-step path that takes commitment, but for many, it’s a realistic alternative to bankruptcy—and a chance to finally move forward.

Clear Coast Debt Relief Services

Clear Coast Debt Relief focuses primarily on debt settlement, working to negotiate with creditors so you pay less than what you owe. Their services are aimed at helping clients reduce unsecured debt and avoid more drastic options like bankruptcy.

Types of Debt They Handle:

Credit Card Debt

Store Cards & Gas Cards.

Medical Bills.

Personal Loans & Lines of Credit.

Private Student Loans (not federal).

These are all unsecured debts, meaning they’re not tied to collateral like a house or car.

What’s Not Covered:

Clear Coast does not work with secured debts such as:

Federal Student Loans fees.

Mortgages.

Auto Loans.

Their program is designed for people who need real relief from mounting debt—but like any financial solution, it’s not one-size-fits-all.

Clear Coast Debt Relief Fees

Clear Coast Debt Relief operates on a performance-based fee model, meaning you only pay after they successfully negotiate a settlement on your behalf. This approach aligns with Federal Trade Commission (FTC) regulations, which prohibit debt relief companies from charging upfront fees.

Fee Structure

Settlement Fee: Clear Coast charges a 25% fee of the total debt enrolled in the program. This fee is deducted from your dedicated savings account only after a settlement agreement is reached and a payment is made to the creditor.

No Upfront Fees: There are no initial consultation or enrollment fees.

State Variations: Service fees may vary depending on state regulations.

It’s advisable to consult with a financial advisor to determine if this debt relief option aligns with your financial goals.

Clear Coast Debt Relief Reviews

Customer feedback plays an essential role in evaluating a debt relief company. Below, we summarize real reviews from Trustpilot and Google to provide insights into their service quality.

Trustpilot Reviews

Clear Coast Debt Relief holds an average rating of 4.5 out of 5 stars based on 16 reviews on Trustpilot. Here is some feedback.

Positive Review: “You guys were really amazing, thank you for all the help.”

Positive Review: “I’m so happy I signed up with Clear Coast. They have settled all my debts and my score increased almost 200 points!”

Neutral Review: “It’s a good company that settled almost all my accounts. But I’m still waiting on the big ones.”

Neutral Review: “Clear Coast was helpful in some ways, but in other ways, they put me even further into debt and wouldn’t answer my questions.”

Google Reviews

On Google, Clear Coast Debt Relief has an average rating of 4.5 out of 5 stars based on 48 reviews.

Positive Review: “I’m very happy with my decision to sign up with Clear Coast. As of today I am completely done with the program with my debts being resolved!”

Positive Review: “This company settled all 9 accounts of mine in a super timely manner.”

Neutral Review: “Not happy with the rate at which you are going. My credit score has plummeted, and I’m still getting calls and letters from credit card companies!”

Negative Review: “They didn’t take care of the small debt, which grew into me going to court and my mom getting her wages garnished.”

What Do These Reviews Mean?

Customer experiences with Clear Coast Debt Relief are generally positive, with many praising their assistance in settling debts. However, some reviews indicate concerns about unresolved debts and communication issues. As with any debt relief company, it is important to carefully review the terms of service and ensure their program aligns with your financial goals.

What Makes a Debt Relief Company Trustworthy?

Before enrolling in any debt relief program, it’s important to know how to spot a reliable company. There are clear signs that can help you avoid scams and choose a service that genuinely has your best interests in mind.

Watch the short video below to learn what credentials, practices, and red flags to look for when evaluating a debt relief company:

Final Thoughts

Choosing the right debt relief company can be a pivotal step toward regaining control of your finances. Clear Coast Debt Relief has helped many clients reduce their unsecured debt through settlement programs, earning positive feedback for their personalized approach. That said, it’s crucial to fully understand the fees involved and set realistic expectations before enrolling.

If you’re still weighing your options, consider reaching out for a free consultation with CuraDebt. Their experts can guide you through the best solutions tailored specifically to your financial situation, helping you make an informed decision and take confident steps toward lasting financial freedom.

Take the first step today—your path to debt relief starts with the right guidance.