Customer's complaints
ClearOne Advantage, LLC has received more than 34 complaints. Dated between 2019-11-16 and 2016-01-23.
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Complaints by product
| Credit report, credit repair service or other personal consumer report - credit repair service | 10 |
| Credit reports, credit repair services or other personal consumer reports - credit reports | 7 |
latest complaints
2019-11-16
bluebell ca
Incorrect information on your report
Credit Report, Credit Repair Service, or Other Personal Consumer Report: Credit Report
The information belongs to someone else.
Company response:In progress
2019-10-24
Silvester, Georgia
Misuse of your report
Credit Report, Credit Repair Service, or Other Personal Consumer Report: Credit Report
Credit inquiries about your report that you don't know about
Company response:closed with explanation
01.08.2019
Sugar Country, Texas
Incorrect information on your report
Credit Report, Credit Repair Service, or Other Personal Consumer Report: Credit Report
The information belongs to someone else.
Company's Response: The Company challenges the facts set forth in the Complaintclosed with explanation
2019-07-30
Atlanta, Georgia
communication tactics
Collection: credit card debt
frequent or repeated calls
Complaint: On XX.XX.2019 I entered certain information in CLEARONE credit such as name, phone number and tax address to get an estimate to pay my credit charge, but they use this information without my social security number and my permission an application hard on my credit
Company's Response: The Company challenges the facts set forth in the Complaintclosed with explanation
2019-07-21
Maynard, MA
Misuse of your report
Credit Report, Credit Repair Service, or Other Personal Consumer Report: Credit Report
Credit inquiries about your report that you don't know about
Complaint: CLEARONE ADVANTAGE claims that I authorized them to pull my credit file, I have disputed this request that appears in my credit file because I know that I never gave them authorization to do so, the first thing is that it is good that they are doing it. a difficult move on my credit file, they have to have a valid purpose. The FCRA says that a believer or user must indicate a permitted purpose, all I want is for this to be clarified now. I did not authorize this company to review my credit report.
Company Response: The Company believes that it has acted reasonably in accordance with the contract or the lawclosed with explanation
2019-07-14
Philadelphia, Pennsylvania
Misuse of your report
Credit Report, Credit Repair Service, or Other Personal Consumer Report: Credit Report
Receiving unsolicited offers of insurance or financial products after you opt out
Complaint: On XX.XX.19 I applied for a debt relief product of XXXX XXXX XXXX XXXX. Account Executive #1 (name XXXX XXXX) after explaining how I was flooded with credit cards and personal debt after falling behind on some bills during XXXX XXXX XXXX. I tried negotiating with these companies, until I got my finances, but received little help, so I looked for finances that could help me get back on track. XXXX told me that credit card companies are as diligent about working with consumers as his company would be. I was informed that I would be debt free in four years and would save a lot of money by letting this company take care of my creditors and debts. After doing my credit check, he came up with a solution supposedly to get rid of my debt and reduce my credit cards and high interest loans, I decided that the information he gave me sounded good and that I could finally pay off my debt, which he did not tell me what it meant Information disclosed to a second and third company #2 Klar Eins Advantage LLC, this company has a document with my signature that I do not authorize #3 XXXX XXXX XXXX XXXX (Save Processing Company, this company takes the money from my bank account, they also have my signature (electronically signed and initialed) on documents I don't know what they mean, along with unknown charges This company is listed under: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OK XXXX (Clear One is located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX/ and XXXX XXXX XXXX is located at: XXXX XXXX XXXX XXXX XXXX Ca XXXX I was never informed that my information is being shared with other companies, since I later found out I laughed that I tried to contact Mr. XXXX several times, no response My name is being used without my permission, information for which I have not consented or I do not have I do not know if my signature and initials are not authorized with this unknown company They are taking advantage of the consumer and this is a huge scam I called and emailed today to inquire about this product that I am on my to cancel three days from XX.XX.19 but Mr XXXX never told me when he read the contract that night and it has all the inconsistencies and i found out in claims processing it takes someone to stop this scam with this type of business as a consumer already in a bind with bills its not fair to let these businesses take advantage.
Company response:closed with explanation
2019-05-16
Carson City, Nevada
excessive fees
Credit report, credit repair service or other personal consumer report: credit repair service
Company response:closed with explanation
2019-05-15
Union City, CA
Misuse of your report
Credit Report, Credit Repair Service, or Other Personal Consumer Report: Credit Report
Credit inquiries about your report that you don't know about
Company response:closed with explanation
2019-05-06
Hornell, New York
fraud or scam
Credit report, credit repair service or other personal consumer report: credit repair service
Company's Response: The Company challenges the facts set forth in the Complaintclosed with explanation
2019-04-30
Arlington, Virginia
Misleading or misleading advertising or marketing
Credit report, credit repair service or other personal consumer report: credit repair service
Complaint: The company misrepresented their pay rate, falsely claiming on the tape that it was a rate they had been imposed. That's small, but it's a TILA textbook violation.
Company's Response: The Company challenges the facts set forth in the Complaintclosed with explanation
2019-04-29
Pinellas Park, Florida
Problem with customer service
Credit report, credit repair service or other personal consumer report: credit repair service
Company Response: The Company believes that the complaint is the result of a misunderstandingclosed with explanation
2019-04-22
Washington DC
fraud or scam
Credit report, credit repair service or other personal consumer report: credit repair service
Complaint: As of XX/XX/XXXX, I paid a fee to Clear One Advantage for providing services to restore my credit. This agency has not contacted any of my debtors to inform them that Clear One Advantage is representing me. My debt continues to mount as I wait for Clear One Advantage to help me pay off my debtors. When I informed Clear One of this increase in my debt, they told me that I had to pay them {$15000.00} before they could help me pay off my debtors. Your contract is designed to fit the company, not the customer. I was charged a monthly fee of {$220.00} from XX/XX/XXXX to XX/XX/XXXX. This company has not informed that I pay installments to the 3 credit bureaus. This could have helped my credit score if they had reported it to the credit bureaus. I had numerous problems trying to log into my account using Clear One Advantage.
Company Response: The Company cannot verify or contest the facts of the Lawsuitclosed with explanation
2019-04-16
Bronx, New York
Problem with customer service
Credit report, credit repair service or other personal consumer report: credit repair service
Complaint: On XX/XX/2014 I hired this company called Clear One Advantage/XXXX XXXX XXXX to help me consolidate payments to five creditors. I should have known something was wrong when I received documents under the name of another company. The representative assured me that his team is working with them to be able to make lower payments. The representative told me to NEVER take calls from creditors to explain anything, as the person he is calling probably does not know that Clear One Advantage is working with the company behind the scenes. My credit was good XXXX and NONE of my payments were late. In fact, he had a perfect payment history with all of them. I was going through some tough times and wanted to be proactive to keep my credit rating intact. Clear One received payments from me. Several months went by during which I was assured that things were fixed... and then I found out that NOTHING was happening because this fraudulent company WAS HOPING my debt to not pay so they could save the day. All the payments I sent them stayed put, nothing went to the creditors. By the time I realized what was happening to me, it was already too late. My debt went into charge status and there was nothing I could do. My great credit is down over 200 points. I suffered from XXXX and hopelessness. What have I done wrong? I researched this company, saw good reviews, did more research, did everything I could. I finally confronted this company a few months later and was conveniently told that the representative they assigned me abruptly resigned. Nobody helped me. They made me rot and be among those who are subprime targets. All those years of perfect credit.
Company response:closed with explanation
2019-04-10
Schalimar, Florida
fraud or scam
Money transfer, virtual currency or money service: debt settlement
Company Response: The Company believes that the complaint is the result of a misunderstandingclosed with explanation
09.04.2019
Maryland
Misuse of your report
Credit Report, Credit Repair Service, or Other Personal Consumer Report: Credit Report
The reporting company used your report inappropriately
Complaint: On XX/XX/2019 I contacted Clearone Advantage to try to get help in lowering the interest rate on my credit card. When I talked to the customer service representative of XXXX XXXX, I felt a little uncomfortable because of the personal questions he asked me, such as SSN, address, etc. Debt settlement. I was not willing to go through with a debt consolidation plan or have the company do a credit report, but I felt pressured by the representative. Instead of giving him my personal information that he asked for, he said that he had a copy of the credit report available and read my personal information to confirm it. This was surprising because I did NOT agree to ClearOne drawing my balance. After our call, I received notifications from the credit bureaus about the difficult application. I was very upset and felt that the investigation should be removed since I never gave permission to remove the report.
Company response:closed with explanation
2019-03-22
Misleading or misleading advertising or marketing
Money transfer, virtual currency or money service: debt settlement
Company Response: The Company believes that it has acted reasonably in accordance with the contract or the lawClosed with cash relief
2019-02-28
Val Verde, TX
Written notice of debt
Collection: credit card debt
Notification of the right to oppose has not been received
Company response:closed with explanation
2019-01-17
Boston, MA
Written notice of debt
Debt Collection: Mortgage Debt
I did not receive enough information to verify the debt
Company response:closed with explanation
2018-10-29
False Statements or Representations
Debt Collection: Other Debts
An attempt was made to charge an incorrect amount
Company response:closed with explanation
2018-10-05
Cape Coral, Florida
Misleading or misleading advertising or marketing
Credit report, credit repair service or other personal consumer report: credit repair service
Company Response: The Company believes that the complaint is the result of a misunderstandingclosed with explanation
2018-07-17
New Castle, Co.
problem to pay
Payday Loan, Title Loan, or Personal Loan: Installment Loan
Company response:closed with explanation
2018-06-28
Mesa, Arizona
Unexpected or other charges
Money transfer, virtual currency or money service: debt settlement
Company response:closed with explanation
2018-04-07
MI
fraud or scam
Credit report, credit repair service or other personal consumer report: credit repair service
Complaint: I enrolled in a Direct Debit billing program with Clear One Advantage / XXXX XXXX XXXX. If they accepted the program, they could settle two accounts for me for a monthly payment of {$580.00}. That was it. You do all the work. Sounds good to me so I went ahead. After several months of monthly withdrawals from my bank account, Clear One Advantage contacts me and tells me that they have made a settlement on one of my accounts. To receive severance pay, I must pay an additional {$310.00} per month for two years, which brings my monthly payment to {$900.00}. Definitely not what I signed up for, but they sure are good at tricking you into it. I then received an email from a liquidation agent. I expressed my concerns about the additional monthly payment and he explained that you do not have to pay that additional monthly amount. I repeated it 5 times by email and said that if I have to pay this extra amount, I don't agree. She said that you are good, that you do not need extra money. 20 days later she calls me and tells me that I made a mistake. She must make this additional monthly payment. I said I don't agree and I'm not going to pay for it. XX/XX/XXXX the additional {$310.00} was debited from my bank. I emailed my dissatisfaction, requesting that I be removed from the program and making multiple requests for a full refund. They respond with: I owe {$10.00}. I have paid thousands.
Company response:Closed with cash relief
2017-11-16
Villa of Florence, Florida
Confused or missing information
Money transfer, virtual currency or money service: debt settlement
Company Response: The Company believes that the complaint is the result of a misunderstandingclosed with explanation
2017-09-21
Seligmann, Arizona
fraud or scam
Credit report, credit repair service or other personal consumer report: credit repair service
Complaint: In XXXX 2016, I tried to file for bankruptcy to pay off credit card debt. Instead, I opted for a credit relief program. I spoke with XXXX XXXX at Clear One Advantage and agreed that they would withdraw {$430.00} from my checking account each month to process statements and pay off 4 credit cards. These cards were XXXX XXXX XXXX - {$2700.00}, XXXX XXXX XXXX - {$1800.00}, XXXX XXXX, {$15000.00} and XXXX XXXX XXXX - {$7300.00} (all amounts have been rounded up). Since the start of this program, over {$5600.00} has been withdrawn from my account. My contract was transferred from Clear One Advantage to XXXX XXXX to XXXX XXXX XXXX. I have not received a bank statement from any of these companies telling me how this money was distributed, although I have contacted all 3. I have received notifications from XXXX and XXXX telling me charges have been made; however, when I call each of the 4 credit cards, I find that they have not paid anything. XXXX told me that both XXXX XXXX XXXX cards were paid off and that I should call the bank to get a "settlement letter". The bank had never heard of a settlement letter and told me it didn't pay the other two cards. Where did my {$5600.00} go? Why are they refusing to send me a statement? Why did my account go from Clear One to XXXX to XXXX? And why can't I get a straight answer from any of the cards and you? I think I've been scammed and I want my account to stop being debited automatically. But what are the legal consequences for me? I talked to a lawyer about it, but I can't pay allowance 1. I am XXXX XXXX XXXX, XXXX and I have to pay social security. I am being lied to and scammed by these so called "Credit Relief" companies. Could you help me? XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX
Company Response: The Company believes that the complaint is the result of a misunderstandingclosed with explanation
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FAQs
Can I get my money back from ClearOne Advantage? ›
If you are not fully satisfied regarding any aspect of your settlement program and notify us within 30-days of signing this Agreement, you will be entitled to receive all funds in your account plus a full refund of all settlement fees paid to ClearOne Advantage, LLC and your program will be terminated.
How do I get out of ClearOne Advantage? ›You can add or remove an account from your program by contacting our Customer Loyalty Group at 888-768-4767 or by emailing customerservice@ClearOneAdvantage.com or you can go to your Client Portal Website and submit a request under the Customer Service Tab.
Is ClearOne Advantage good? ›Are you wondering if Clear One Advantage is legit? According to Finder, the short answer is yes. The company is accredited by the International Association of Professional Debt Arbitrators(IAPDA) and the American Fair Credit Council (AFCC).
Who is the CEO of ClearOne Advantage? ›Tomas Gordon founded ClearOne Advantage with the mission to help people find financial freedom. He brings more than 20 years of experience in executive management, board and investor relations, financial management, and business development to the role of Chief Executive Officer.
Can collection agency hurt my credit? ›If you fall behind on payments, your credit account may be sent to a collection agency or sold to a debt buyer. You are still legally obligated to pay debts that are in collections. Collections accounts can have a negative impact on credit scores.
Can one collection hurt your credit? ›A collection on a debt of less than $100 shouldn't affect your score at all, but anything over $100 could cause a big drop. In many cases, it doesn't even matter how much it is if it's over $100. Whether you owe $500 or $150,000, you may see a credit score drop of 100 points or more, depending on where you started.
How do I wipe my debt clean? ›- Informally negotiated arrangement.
- Free debt management plan (DMP )
- Individual voluntary arrangement (IVA)
- Bankruptcy.
- Debt relief order (DRO)
- Administration order.
- Debt consolidation and credit.
- Full and final settlement offer.
Yes. Before your loans are consolidated, your consolidation loan servicer will send you a notice containing the deadline by which you must notify the servicer if you want to cancel your application. Contact your consolidation loan servicer for more information.
Can I cancel my debt settlement program? ›The money you pay into a settlement account is yours! Money that a debt settlement company asks you to set aside in an “escrow” or “settlement” account belongs to you. You may cancel the account at any time, and the escrow company must refund all of your money minus any fees the settlement company legally earned.
How long has ClearOne Advantage been in business? ›Since 2008, we've helped thousands of clients resolve large credit card bills and other unsecured debts – all without upfront fees or the need for personal bankruptcy.
What kind of company is ClearOne Advantage? ›
ClearOne Advantage, LLC provides credit counseling services. The Company offers debt relief, credit counseling, bankruptcy, and consolidation solutions. ClearOne Advantage serves clients in the United States.
Is debt settlement a good choice? ›Is debt settlement a good idea in terms of your credit rating? Because it requires you to stop making payments on your bills and because you won't be paying your debts in full, debt settlement will severely damage your credit rating.
Who are ClearOne Advantage competitors? ›ClearOne Advantage top competitors include: Accredited Debt Relief LLC, Americor Inc, Debt Reduction Services Inc, Rescue One Financial Who is the CEO of ClearOne Advantage?
Who owns clear one? ›Heights Capital Management, Inc.
Who owns debt com? ›Howard Dvorkin
Howard is a CPA, serial entrepreneur, a two-time author, personal finance contributor to Forbes and Entrepreneur.com, and is the Chairman of Debt.com.
Summary: “Please cease and desist all calls and contact with me, immediately.” These are 11 words that can stop debt collectors in their tracks. If you're being sued by a debt collector, SoloSuit can help you respond and win in court.
Why you shouldn't pay off your collection accounts? ›On the other hand, paying the collection account may stop the creditor or collector from suing you, and a judgment on your credit report could hurt your credit report even more. Additionally, some mortgage lenders may require you to pay or settle collection accounts before giving you a loan.
How do I get collections removed without paying? ›You can ask the creditor — either the original creditor or a debt collector — for what's called a “goodwill deletion.” Write the collector a letter explaining your circumstances and why you would like the debt removed, such as if you're about to apply for a mortgage.
Should I pay off a 5 year old collection? ›If you have a collection account that's less than seven years old, you should still pay it off if it's within the statute of limitations. First, a creditor can bring legal action against you, including garnishing your salary or your bank account, at least until the statute of limitations expires.
Can you pay the original creditor instead of the collection agency? ›It's possible in some cases to negotiate with a lender to repay a debt after it's already been sent to collections. Working with the original creditor, rather than dealing with debt collectors, can be beneficial.
Should you ignore collections? ›
If you get a summons notifying you that a debt collector is suing you, don't ignore it. If you do, the collector may be able to get a default judgment against you (that is, the court enters judgment in the collector's favor because you didn't respond to defend yourself) and garnish your wages and bank account.
What debt Cannot be erased? ›Debts Never Discharged in Bankruptcy
Alimony and child support. Certain unpaid taxes, such as tax liens. However, some federal, state, and local taxes may be eligible for discharge if they date back several years. Debts for willful and malicious injury to another person or property.
Pay more than the minimum payment each month.
If you have 30k in credit card debt, you need to be making significant payments toward your bill or your debt will continue to multiply. This means paying more than the minimum payment each month, and ideally more than what you added to your statement in the previous month.
If you apply for an administration order, you may be able to have some of your debt written off. This is called a composition order. You can ask the judge for a composition order or the judge may decide to give you one after looking at your financial circumstances.
When debt consolidation is not a good idea? ›Debt consolidation is a bad idea if it does not save you any money. This happens when the interest rate on your new loan or line of credit ends up being higher than that of your existing debts, which mostly defeats the purpose of consolidation. In that case, the only benefit would be having all your debts in one place.
How long does debt consolidation stay on your record? ›Debt settlement can cause your credit score to fall by more than 100 points, and it stays on your credit report for seven years. If your creditors close accounts as part of the settlement process, this can cause your credit utilization to increase, which also negatively affects your credit score.
Does debt consolidation go on your record? ›Debt consolidation — combining multiple debt balances into one new loan — is likely to raise your credit scores over the long term if you use it to pay off debt. But it's possible you'll see a decline in your credit scores at first. That can be OK, as long as you make payments on time and don't rack up more debt.
Is it better to settle or pay in full? ›Paying a debt in full is better than settling a debt
You'll also save money. Settling the debt eliminates future interest and reduces the amount you'll repay to the lender. When you settle a debt, the creditor or debt collector will typically report the account as settled for less than what you owed.
How long does debt settlement stay on your credit report? Debt settlement will remain on your credit report for seven years. This means that for those seven years, your settled accounts will affect your creditworthiness. Lenders usually look at your recent payment history.
Why is ClearOne Advantage calling me? ›ClearOne Advantage routinely makes unsolicited calls to consumers to market supposed debt relief services. Often times, the recipients of these calls do not even have debt. ClearOne Advantage will often begin telephone calls by asking for the name of an individual who is not the actual recipient of the call.
How many employees does ClearOne Advantage have? ›
ClearOne Advantage corporate office is located in 1501 S Clinton St Ste 320, Baltimore, Maryland, 21224, United States and has 402 employees.
What is ClearOne Advantage customer service number? ›Phone: 1-801-975-7200.
How do I choose a debt settlement company? ›- Requirements. Make sure the company can settle the type and the amount of debt you have. ...
- Fees. Look for a debt settlement company that charges the lowest fee percentage.
- Accreditation. ...
- Transparency. ...
- Customer service.
At ClearOne, we work with you to create a custom, confidential debt relief plan you can afford. Our certified debt specialists negotiate lower final payment amounts with creditors, so you can pay back a reasonable portion of your bills – at a level we know they will accept.
Who is debt free company? ›Tata Consultancy Services (TCS)
The company was founded in 1995 and has zero debts on the current date. TCS offers services across industries, including healthcare, insurance, telecom, retail, and others. As of 26 September 2022, the market capitalisation of TCS is Rs 10,91,147 crore.
Can You Buy a Home After Debt Settlement? Absolutely! Lowering your debt can make a huge difference when you're ready to apply for a mortgage (what is a mortgage?). It's probably been a difficult journey getting debt relief, and like any time after you've completed a challenge, you want to reward yourself.
What is a reasonable amount to settle a debt? ›Most obligations settle between 30%-50% of the original value. If the debt collection agency is unwilling to accept any settlement, you may negotiate a payment plan with them. Payment plans can keep you out of court, and you won't need to fork over a large amount of cash at once. Let's take a look at an example.
What is the success rate of debt settlement? ›Completion rates vary between companies depending upon a number of factors, including client qualification requirements, quality of client services and the ability to meet client expectations regarding final settlement of their debts. Completion rates range from 35% to 60%, with the average around 45% to 50%.
How much does ClearOne Advantage cost? ›How Much Does ClearOne Advantage Cost? ClearOne Advantage charges between 15 and 25% of enrolled debt, but that may be closer to 23-25%. That may be quite expensive when comparing that amount to a firm that charges 15-18%.
How can I tell if a debt collector is legit? ›You can tell if a debt collector is legitimate by requesting they provide their information, including their license number, so you can confirm it. You can also ask for a validation notice, which debt collectors are required by law to send to you.
Who is the best debt management company? ›
- Best Overall: National Debt Relief.
- Best for Debt Settlement: Accredited Debt Relief.
- Best for Customer Satisfaction: New Era Debt Solutions.
- Best Interactive Program: Freedom Debt Relief.
- Best for Tax Debt Relief: CuraDebt.
- Best for High-Interest Credit Card Debt: DMB Financial.
- Best Overall: Atradius Collections.
- Best for Commercial Collections: The Kaplan Group.
- Best for Consumer Collections: Summit Account Resolution.
- Best for Small Businesses: Rocket Receivables.
- Best for Low Invoice Amounts: Prestige Services Inc.
The money you pay into a settlement account is yours! Money that a debt settlement company asks you to set aside in an “escrow” or “settlement” account belongs to you. You may cancel the account at any time, and the escrow company must refund all of your money minus any fees the settlement company legally earned.
Will Capital One Give me my money back? ›To get a Capital One refund for a purchase, first contact the merchant you originally made the purchase from and ask them for a refund. If the merchant agrees, they will contact Capital One and the bank will credit the purchase amount to your credit card account. You can also dispute charges through Capital One itself.
Can debt collection be reversed? ›Typically, the only way to remove a collection account from your credit reports is by disputing it. But if the collection is legitimate, even if it's paid, it'll likely only be removed once the credit bureaus are required to do so by law.
How long does Capital One investigation take? ›It can take up to 90 days for Capital One to resolve a dispute with the merchant. When you file a dispute, we may provide a temporary credit on your credit card account for the disputed amount. We might also place a hold on your available credit for the same amount.
How much will each person get from the Capital One settlement? ›If you spent money to deal with fraud or identity theft that you believe was fairly traceable to the Data Breach or to protect yourself from future harm as a result of the Data Breach, then you could have submitted a claim for reimbursement up to $25,000 (including your claim for Lost Time).
What's going on with Capital One lawsuit? ›The Order and Judgment Granting Final Approval of Class Action Settlement was granted on September 13, 2022. The deadline to file a claim for Lost Time or Out-of-Pocket Losses was September 30, 2022. Class Members who submitted a claim requesting the Identity Defense Services were emailed instructions on how to enroll.
How can I get a collection removed without paying? ›You can ask the creditor — either the original creditor or a debt collector — for what's called a “goodwill deletion.” Write the collector a letter explaining your circumstances and why you would like the debt removed, such as if you're about to apply for a mortgage.
Can a creditor take all the money in your bank account? ›No. Debt collectors can ONLY withdraw funds from your bank account with YOUR permission. That permission often comes in the form of authorization for the creditor to complete automatic withdrawals from your bank account.
Can creditors garnish your bank account? ›
If a debt collector has a court judgment, then it may be able to garnish your bank account or wages. Certain debts owed to the government may also result in garnishment, even without a judgment.
Can debt collectors see your bank account balance? ›Can debt collectors see your bank account balance or garnish your wages? Collection agencies can access your bank account, but only after a court judgment.