Clear Sky Financial Reviews: A Comprehensive Guide

Clear Sky Financial is a debt resolution company that offers assistance to individuals struggling with debt. Their services include debt settlement, debt consolidation, and credit counseling. The company has been in operation for over a decade and has helped thousands of people get back on track financially. This article will provide a comprehensive guide on Clear Sky Financial reviews, the company’s services, benefits, and drawbacks.

Clear Sky Financial Reviews: A Comprehensive Guide

Clear Sky Financial Services

Debt Settlement

Debt settlement is one of the core services offered by Clear Sky Financial. It involves negotiating with creditors to reduce the outstanding balance of the debt owed. The process involves assessing an individual’s financial situation, determining how much they can afford to pay towards their debts each month, and then negotiating with creditors on their behalf.

Once a settlement agreement is reached, the individual makes payments to an escrow account that Clear Sky Financial manages until they have accumulated enough funds to pay off the negotiated amount in full. This service is ideal for people who are struggling to keep up with minimum monthly payments or have already fallen behind on their payments.

Debt Consolidation

Debt consolidation involves combining multiple debts into one manageable monthly payment. This service helps clients simplify their finances by consolidating all their unsecured debts into one loan at a lower interest rate than what they were previously paying.

Clear Sky Financial helps clients apply for a consolidation loan that pays off all outstanding debts in full. Clients then make one monthly payment to repay the consolidation loan until it is fully paid off.

Credit Counseling

Credit counseling is another service provided by Clear Sky Financial. It involves working with a certified credit counselor who assists clients in developing realistic budgets and action plans to manage debt effectively.

Credit counselors also provide education on financial topics like budgeting, saving money, and managing credit cards. This service helps clients understand how best to use their financial resources and improve their overall financial wellness.

Benefits of Clear Sky Financial Services

Professional Support

Clear Sky Financial employs certified debt resolution professionals who are knowledgeable and experienced in debt resolution. They understand the complexities of debt and how to approach creditors to negotiate better terms for their clients.

Customized Solutions

Clear Sky Financial takes a personalized approach to each client’s case. They understand that each individual’s financial situation is unique and requires an individualized solution tailored to meet their specific needs.

Peace of Mind

Debt can be overwhelming, stressful, and challenging to navigate alone. Clear Sky Financial provides its clients with a sense of relief by handling the negotiations with creditors on their behalf, providing them with peace of mind while they work towards debt resolution.

Drawbacks of Clear Sky Financial Services


Clear Sky Financial charges fees for its services, which can add up depending on the type and amount of debt. The company does not disclose its fees upfront, so potential clients may be uncertain about how much they will need to pay before signing up for services.

Impact on Credit Score

The process of negotiating debts can have a negative impact on one’s credit score since it involves missing payments or making reduced payments until a settlement agreement is reached. While Clear Sky Financial works hard to minimize this impact, there is still the potential for some damage to credit scores during the process.

Clear Sky Financial Reviews from Customers

Clear Sky Financial has received mixed reviews from customers online. Some clients were extremely satisfied with the company’s services, citing excellent customer service and results. Other customers complained about hidden fees and poor communication from the company.

It is essential to note that many factors influence how debt resolution companies like Clear Sky Financial perform for different people. These include the client’s specific financial situation, creditor policies, and other external factors beyond their control.


In conclusion, Clear Sky Financial is a reputable company that offers valuable services aimed at assisting individuals struggling with debt. Their services, including debt settlement, debt consolidation, and credit counseling, are tailored to meet the specific needs of each client.

Clear Sky Financial provides professional support and personalized solutions that help clients gain peace of mind while working towards becoming debt-free. However, there are also some drawbacks associated with its services, such as costs and potential impacts on credit scores.

Overall, if you’re considering using a debt resolution company like Clear Sky Financial, it’s important to weigh the pros and cons carefully before making a decision. Conduct thorough research, read reviews from other customers, and get all the information you need before signing up for any service.


What is Clear Sky Financial?

Clear Sky Financial is a financial services company that offers debt relief and credit repair solutions.

How can Clear Sky Financial help me with debt relief?

Clear Sky Financial can create a personalized debt relief plan tailored to your specific needs, negotiate with creditors on your behalf, and help you consolidate your debts into an affordable monthly payment.

Does Clear Sky Financial offer credit repair services?

Yes, Clear Sky Financial offers credit repair services to help you improve your credit score and maintain better financial health.

Are there any fees associated with using Clear Sky Financial’s services?

Yes, there are fees associated with using Clear Sky Financial’s services. However, their fees are transparent and competitive compared to other companies in the industry.

How long does it take for Clear Sky Financial to resolve my debts?

The timeframe for resolving your debts will vary based on your individual circumstances. However, most customers see significant progress within 6-12 months of working with Clear Sky Financial.

Is Clear Sky Financial accredited by any organizations?

Yes, Clear Sky Financial is accredited by the Better Business Bureau (BBB) and has received an A+ rating from the organization.

Can I cancel my contract with Clear Sky Financial if I’m not satisfied with their services?

Yes, you can cancel your contract with Clear Sky Financial at any time if you’re not satisfied with their services. They also offer a satisfaction guarantee that allows you to receive a full refund if you’re not happy within the first 90 days of working with them.

What kind of support does Clear Sky Financial offer its customers?

Clear Sky Financial offers personalized support from a dedicated team of debt specialists who will work with you throughout the entire debt relief process. They also provide online resources and tools to help you manage your finances more effectively.

How does Clear Sky Financial’s debt relief program differ from other companies?

Clear Sky Financial’s debt relief program is unique because it takes a personalized approach to debt management, creating a tailored plan for each individual customer based on their specific needs and financial situation. Additionally, the company offers competitive fees and a satisfaction guarantee to ensure customer satisfaction.

Are there any downsides to using Clear Sky Financial’s services?

While Clear Sky Financial has many positive attributes, like any company, it may not be the best fit for everyone. Customers should carefully review the terms of their contract and fees before signing up for services to ensure that they’re comfortable with the arrangement.

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