Zero-interest debt resolution — on your terms

Old debts don't have to define your future. Clear Old Debt helps you settle outstanding balances at reduced amounts — with no interest, no hidden fees, and payment terms you control.

Settle for 20–80%

You choose the settlement percentage. That agreed total is the only amount you'll ever pay — period.

0% interest, forever

No interest. No compounding. What you agree to today is exactly what you'll pay — in 3 months or 3 years.

Set your own payments

As low as $5 per payment. Weekly, biweekly, or monthly — adjust your amount any time.

Privacy protected

We never discuss your debt with unauthorized parties. Federal law requires it — and so do we.

Dignity guaranteed

Every agent must comply with federal law. Harassment and deception are grounds for immediate removal.

Register early

No debt in our system yet? Sign up now — you'll be notified the moment we acquire a portfolio that includes yours.

How it works

  1. Create a free account — even if you don't see your debt yet. We'll alert you when we acquire a portfolio that includes it.
  2. Find your debt by ID or your name and date of birth, then claim it to your account.
  3. Choose your terms — settlement percentage, frequency, and payment amount.
  4. Pay on your schedule through our secure Square-powered checkout.
Disclosure: Clear Old Debt, LLC facilitates consumer debt resolution in compliance with the Fair Debt Collection Practices Act (FDCPA) and Regulation F. All collection activity is conducted by agents operating exclusively in Ohio. Your legal rights as a consumer are fully preserved at all times. Settling a debt may have tax or credit implications — consult a financial advisor for guidance specific to your situation.

After registering, sign in using the Sign In tab.

Agents operate in Ohio only and must accept all legal obligations.

Welcome back,

Zero-interest debt resolution — on your terms

My Debts

Search for and claim debts, then set up a flexible zero-interest payment plan.

Agent Tools

Pick up debts to pursue and earn 10% commission on each successful recovery.

Administration

Create debt records and manage all platform data with a full audit trail.

My Debts

Resolve your debt on your own terms — zero interest, flexible payments

0% Interest — Guaranteed.  The balance you agree to is the only amount you will ever pay. No interest. No compounding. No surprises. Payment terms stay flexible within your agreed settlement.
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Settle for 20%–80%

Choose any settlement percentage. Your agreed total is fixed — change your mind on payment amounts, never on what you owe.

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You set the payment

Pick any amount above the minimum (as low as $5/payment) and change it at any time. Weekly, biweekly, or monthly — your choice.

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Your privacy is protected

We never discuss your debt with unauthorized parties. Federal law requires our agents to keep your information strictly confidential.

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Your rights are honored

You have the right to dispute any debt, request validation, and demand agents stop contact. We enforce these rights without exception.

Don't see your debt yet? Register anyway.  Create a free account now. When we acquire a portfolio that includes your debt, we'll notify you immediately — giving you the first chance to set your own terms and resolve it before collection activity starts.

Agent Tools

Pick up debts in Ohio and earn 10% commission on recovered payments

Ohio Only.  You must comply with all federal, state, and local laws and accept full legal responsibility for all collection activity. Clear Old Debt strictly prohibits any violation of law. See the Compliance section for required conduct standards.

Agent Compliance Guidelines

Required reading for all collection agents — FDCPA, Regulation F, and company policy

The Fair Debt Collection Practices Act (FDCPA)

The FDCPA is the primary federal law governing third-party debt collection of consumer debts — meaning debts incurred primarily for personal, family, or household purposes. It prohibits abusive, deceptive, misleading, harassing, and unfair collection practices. Agents must also follow Regulation F (CFPB rules implementing the FDCPA), plus any stricter state or company policies.

Core Agent Rules

1 Communicate professionally and truthfully

Do not threaten, harass, abuse, use obscene language, misrepresent the debt, falsely imply legal action, pretend to be an attorney or government official, or make any false or misleading statement.

2 Respect contact limits and consumer preferences

Do not call before 8:00 a.m. or after 9:00 p.m. in the consumer's local time unless legally permitted. Do not contact a consumer at work if you know or should know the employer prohibits it. Stop or limit contact when required by law, including after proper written cease-communication requests.

3 Protect consumer privacy

Do not discuss a debt with unauthorized third parties. Contact with others is generally limited to locating the consumer and must not reveal that the consumer owes a debt, except where legally permitted.

4 Provide required disclosures

In the initial communication, disclose that the communication is from a debt collector attempting to collect a debt and that information obtained may be used for that purpose. Later communications must disclose that they are from a debt collector. Provide legally required validation information about the debt.

5 Honor dispute and validation rights

If a consumer disputes the debt or requests validation within the required period, follow company procedures immediately. Collection activity must not overshadow or contradict the consumer's validation rights, and required verification must be provided before continuing collection when applicable.

6 Use all channels carefully

Phone, text, email, voicemail, and social media must all comply with FDCPA and Regulation F privacy, disclosure, consent, opt-out, and frequency rules. Regulation F creates a presumption of a violation if a collector places more than seven calls about a particular debt within seven days, or calls within seven days after a phone conversation about that debt.

7 Do not use unfair collection methods

Do not collect unauthorized fees, threaten actions not intended or legally permitted, deposit postdated checks improperly, publish debt information, or use any unfair or unconscionable means to collect a debt.

8 Escalate without improvising

Legal threats, disputes, complaints, attorney representation, bankruptcy notices, identity theft claims, deceased-consumer accounts, and any unusual situations must be escalated to a supervisor or compliance officer. When in doubt, pause collection activity and escalate immediately.

Required Conduct Standard

All agents must treat consumers with dignity, accuracy, and restraint. The company's policy is full compliance with the FDCPA, Regulation F, applicable state laws, and internal compliance procedures. Violations may result in discipline, up to and including immediate termination and removal from the platform.

This is a handbook summary, not a substitute for review by your compliance officer or attorney. If you are unsure whether a proposed action is lawful, do not take it — escalate first.

Administration

All changes are logged to the master audit trail

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Debt IDFirstLastBalance Agreed TotalDate of DebtClaimedActions
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UsernameFirstLastEmail PhoneStateCreatedActions
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UsernameFirstLastAgent Code CommissionStateCreatedActions
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Agent CodeDebt IDState CommissionStatusCreatedActions
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DebtorDebt IDPayment RemainingStatusFrequencySettlement %Actions
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UserDebt IDAmount DateAgent CodeCommissionStatusActions
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TimestampActorRef ActionTargetTarget RefDetails
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