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You are looking for debt options and see an ad for Florida debt relief and come to a website that looks like this. Is it legitimate? 

Florida Debt Relief home page
The Freedom Debt Relief home page provides different options for you to consider.

You may look up reviews and find that their reviews are sparse, and when you dig deeper, the answers might surprise you, so the purpose of this article is to discuss:

  • What is Florida Debt Relief 
  • How Much Florida Debt Relief Org Costs
  • reviews
  • Is Florida debt relief legitimate?
  • Florida Debt Relief on Reddit 
  • Alternative to Florida Debt Relief 
  • Pros and Cons of FloridaDebt Relief

Now, if you are struggling with debt and wondering what to do next, we built a free, unbiased debt options comparison calculator (not even an email address is required) that provides a wide range of debt options including debt relief that may be able to fit your budget. The data is personalized to your income and expenses, so you can get accurate costs, pros and cons, and options.

Okay, so let’s answer the first question for you.

What is Florida Debt Relief? 

Florida Debt Relief is a lead provider for other debt settlement companies. So, you would not sign up with this company, but you may sign up for the company it recommends.

Additionally, the FTC has rules barring debt settlement companies from taking upfront fees. This is aimed at protecting consumers from the shady activities of some settlement firms. The only exception to this rule is debt settlement companies that are attorney-based. Those outside this scope can only get their pay after successfully negotiating an agreement. 

How Much Does Florida Debt Relief Org Cost? 

At Ascend, we believe that debt settlement may be a good option, but it’s only in the context of understanding all of your options and understanding the cost of that option. This is exactly why we built a free debt relief cost comparison calculator so that you are MOST informed.

So, what is the cost of Florida Debt Relief Org?

If Florida Debt Relief Org refers its leads to other debt relief providers, we can look at the other debt relief provider’s fees to understand the true cost.

We will cover this later, but Florida Debt Relief refers individuals out to Clear One Advantage, so it’s important to understand Clear One Advantage fees. If you look at the ClearOne Advantage’s FAQ, it states that the company only takes a fee once an account is settled, but that doesn’t explain how much.

If you look at the bottom, it has an estimate as 20% of enrolled debt: Clients who are able to stay with the program and get all their debt settled realize approximate savings of 50% before fees, or 30% including our fees, over 24 to 60 months. All claims are based on enrolled debts.

Finder states that the ClearOne Advantage fee is usually 25%.

Now, if you take the calculator above, you will probably get an estimate based on one of the companies that we work with that charges ~15%, and 15% is much lower than a 25% enrolled fee.

So, these fees are quite high compared to the small handful of companies that we refer folks to that are in the 15-17% range. 

Just for reference, a lower fee can save you THOUSANDS of dollars and get you out of debt faster.

What Are Reviews? 

It is difficult to find reviews for Florida Debt Relief, but you can find a few reviews for Envoy Media Group (which is the parent company of Florida Debt Relief), and you can also find reviews for ClearOne Advantage (which is the company the Florida Debt Relief may refer you to).

As such, we’ll give you a broader summary of reviews by looking at Clear One’s reviews on Google, BBB, and Yelp. 

Super Money Review 

Florida Debt Relief has a positive review on Super Money. A reviewer by the name Smith J. detailed his experience using the website. According to him, using the platform was a rather eventful experience as he got value for his time. He claimed the site helped him find out the best debt relief option for him.

However, he faulted their online debt estimator as he said it brings out false figures. Beyond this, their services have been largely helpful, and they only connect users with the best debt settlement provider out there. 

Trustlink Review

Florida Debt Relief (Envoy Media Group) has a profile on TrustLink, but it does not have any reviews at the time of this writing, so that’s not as helpful.

Google Reviews (of the company Florida Debt Relief refers to)

As Florida Debt Relief is not a debt settlement company itself, it’s imperative to understand the reviews of the company Florida Debt Relief refers you to, which may be ClearOne Advantage

ClearOne Advantage has 920 reviews on Google. It also has a rating of 3.9/5, which is quite a bit lower than the company that we work with below. Here’s a screenshot of the most recent reviews at the time of this writing.

Florida Debt Relief - Google reviews of ClearOne Advantage

One such is by a certain Kelly Austin, who claimed that ClearOne was there for her family when they needed a large debt consolidation. They helped to resolve problems with lost funds, and other complexities that popped up.

However, another user described the scheme as a rip-off, simply because the company charged her double what was written off. She also claims that the program is difficult to withdraw from. As such, she advises users to negotiate themselves, as her credit is currently below 500. 

BBB Reviews (of the company Florida Debt Relief refers to)

BBB reviews of ClearOne Advantages who Florida Debt Relief reviews

Clear One Advantage has a sum of 508 customer reviews on BBB. Beyond this, it also has an average review score of 3.75/5. ClearOne Advantage also has 216 complaints closed in last 3 years

In its negative reviews were complaints about the company’s fees. Some maintained that it’s sometimes as much as 25% of the enrolled debt. There were also complaints about their slow pace of negotiation, and lawsuits from creditors. 

Yelp Reviews (of the company Florida Debt Relief refers to) 

A picture of Yelp reviews showing 1.5 rating based on 38 reviews.

At the time of this writing, Clear One Advantage has 38 reviews on Yelp, but only one of those reviewers rated it. It was given a 1-star rating on yelp. Nearly all consumer reviews it got on Yelp feature people complaining about its exorbitant fees. A number of them also complained about poor communication, and their inability to solve debts on time. 

If my math skills still hold true, then it’s safe to believe that its average score from those platforms is 2.40/5. 

Is Florida Debt Relief Legitimate?

Yes, Florida Debt Relief is a legitimate platform for getting debt relief referrals. That said, you may want to consider the company that Florida Debt Relief refers you to. 

Here’s a little bit more about Florida Debt Relief. Founded in 2005, Florida Debt Relief has been a funnel connecting people to debt settlement providers for 17 years. 

It is BBB accredited and has an A+ rating with the organization 

Florida Debt Relief Reddit

I could not find one review about Florida Debt Relief on reddit. 

There is not much on Reddit as most people are keeping it very general about debt relief as a whole. Threads on Reddit were mainly to verify the legitimacy and effectiveness of Debt Relief processes. While some people believe it’s not worth it because it reduces your credit score, some users believe it’s worth it if you have no better alternative, and if your creditors are willing to negotiate. 

Is Florida Debt Relief on BBB?

When you search for Florida Debt Relief’s review on BBB, chances are high that nothing will pop-up. So you might believe that the platform has no review on BBB. 

However, this is not true as the Florida Debt Relief is represented by Envoy Media Group Inc. 

On BBB, Florida Debt Relief Org has an overall rating of 4.56/5 from the 25 customer reviews it has on the platform. 

I could not access Envoy’s one complaint here.

What Are Alternatives to Florida Debt Relief Org?

There are many alternatives out there to Florida Debt Relief. Some highly reputable ones are: 

Let’s discuss these alternatives in detail: 

Alternative Debt Relief Provider (CuraDebt)

CuraDebt is an actually debt relief firm, not a referral service.

It has a 5.0 rating on BBB with A+ rating and a 4.8 Google rating. Just like other organizations advertising their settlement services, it uses a method widely regarded as debt settlement to assist individuals to exit debt at an amount less than they originally owed. You can see whether you qualify here in 1 minute.

To use this method, debtors have to cease payments on what they owe. Instead, you’ll stay to set some funds aside into a dedicated account every month. The moment a significant amount is in the account (often 40% of the owed fund), the negotiation starts. The company focuses on reducing your balance, fees, and accrued interest.

Additionally, the company identifies favorable loopholes in TCPA and FDCPA and uses them to its advantage. To be more specific, the company identifies violations of those rules and uses them as a basis for settlements. In some instances, the debtor may get an outright debt dismissal.

In an instance where you’re uncertain about exiting debt, the company first holds a free consultation with you. Here you’re encouraged to ask any debt-related questions. They claim that you’ll be debt-free in 24-48 months 

Pros Cons 
You won’t be charged a fee before successful debt negotiation. Users can’t monitor their debt negotiation process easily. 
It has a free negotiation that helps you know if a debt settlement plan is great for you. It lacks mobile app accessibility 
Top-level experts help in debt negotiation 
It has a near excellent user review online 
Curadebt also charges reasonable fees and has high Google reviews.

Debt Management

Debt Management (also known as credit counseling) is another option where the non profit credit counseling firm would negotiate the interest rates with your creditors instead of negotiating the balances with the creditor.

The pros is that you can generally keep your credit score in tact, but the cons is that the monthly draft amount may be double that of debt relief because interest rate negotiations don’t often save as much than balance negotiations.

We like this firm because it it also a non profit and charges a reasonable monthly fee.


Bankruptcy, according to, is designed to help people neck-deep in debt to a fresh start by either liquidating their assets or creating another payment plan for them. This government program is enabled by laws mandating creditors to accept orders issued by bankruptcy courts. 

This often entails accepting less than originally owed debt. So let’s say a debtor owes a credit card debt of $100,000, and the individual files for bankruptcy. Provided the debtor demonstrates that he/she can’t make monthly payments, they may be issued a discharge from their debt. Their discharge ensures that they’re free from debt, and creditors must not ask or harass them for the money again. For consumers, there are two main types of bankruptcy, and they are 

Chapter 7 is particularly regarded as liquidation bankruptcy as the debtor’s asset may be sold to repay unsecured creditors. For more information on this, then read here

Chapter 13 bankruptcy on the other hand is regarded as repayment bankruptcy. This is because the bankruptcy court aims to restructure your payment sum and plan. However, the total debt repaid is often lower than the original debt owed. For more information on this, then read this article

Let’s consider the pros and cons of bankruptcy: 

Pros Cons 
Bankruptcy may eradicate taxes in certain situations.It may not help with some types of debt such as secured debt or student debt.
Once you file for bankruptcy, debtors can no longer aggressively request debt payments. It is on your credit report for 7 or 10 years.
Bankruptcy gives a refresh on indebtedness. It may take 3 or 5 years before getting a discharge. Especially in the case of Chapter 13 bankruptcy.
State and federal exemptions prevent some of your assets from being liquidated. Debtors lose current credit cards. 
You can apply for bankruptcy multiple times. The debtor’s name will exist on public records.  
There are numerous pros and cons to bankruptcy.

In Summary 

Florida debt relief is undoubtedly a lead sales funnel to Clear One Advantage and potentially other debt settlement providers that serve Florida. 

You may want to understand the reviews and ratings of the company it recommends you to and the fees associated with it to make the most informed decision.

Post Author: Ascend

Group of guest writers and industry experts who have specific expertise in Chapter 13 bankruptcy, Chapter 7 bankruptcy, debt relief, debt settlement, and debt payoff.

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