United Debt Counselors

United Debt Counselors Reviews

Find a Best Debt Settlement partner

Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.

Take a Financial Relief Quiz

Get matched with an Authorized Partner

Find my match

About United Debt Counselors

United Debt Counselors is a debt relief company that helps customers resolve credit card and high-interest debts. Based in Plano, Texas, the company has over 1,000 field representatives in 19 states. Part of its debt relief program is face-to-face counseling to finalize enrollment. Once a customer has a funded account for debt relief, United Debt Counselors will negotiate your first debt for 40 to 60% less than you actually owe.

    Pros & Cons

    Pros
    • Pay 30% to 40% of what you owe
    • Over 1,000 local representatives
    • Communicates with creditors
    Cons
    • Only available in 19 states

    Take a Financial Relief Quiz

    Get matched with an Authorized Partner

    Find my match

    United Debt Counselors Reviews

    Stars Rating

    • 0%
    • 0%
    • 0%
    • 0%
    • 0%

    Popular Mentions

      How do I know I can trust these reviews about United Debt Counselors?
      • 4,461,376 reviews on ConsumerAffairs are verified.
      • We require contact information to ensure our reviewers are real.
      • We use intelligent software that helps us maintain the integrity of reviews.
      • Our moderators read all reviews to verify quality and helpfulness.
      Recent
      • Recent
      • Oldest
      • Most helpful

      A link has directed you to this review. Its location on this page may change next time you visit.

      How do I know I can trust these reviews about United Debt Counselors?
      • 4,461,376 reviews on ConsumerAffairs are verified.
      • We require contact information to ensure our reviewers are real.
      • We use intelligent software that helps us maintain the integrity of reviews.
      • Our moderators read all reviews to verify quality and helpfulness.
      Page 2 Reviews 10 - 40
      Verified purchase
      Customer ServiceStaffProcess

      Reviewed Feb. 2, 2020

      I received something in the mail and the literature seemed a little bit more believable than a lot of the other consolidation pamphlets. I was on the phone with a representative. She was very informative and wasn’t pushy. Then, it was just a very easy process. In the beginning, after signing up, paying a lot of upfront fees and building up the savings account to pull from to be able to consolidate with or offer a lower debt settlement to the various companies, I was not really making headway and I got a little discouraged. It was quite a chunk to commit to every month out of my paycheck so that part was the hardest but then paying back any debt is hard. United Debt Counselors was always there to talk to and guide me and I never felt like I was dealing with some huge company. A few times, I had called and had gotten the same person from the customer service which was nice rather than call centers.

      They were easy to work with and If I had a problem, they were quick to respond or research whatever the question was pretty quickly. They set it up for me, they find out what I owe to these companies, they make suggestions and then they kinda put it together. Within $30 from the first representative that I talked to till I signed the paperwork of what the estimate was, from $500 every month and it ended up being 540, I was able to close out all of this. They tried to guarantee two years, where my debt was that I needed to do it for, and I added an extra four months with it so it was within the timeframe. My experience was good. I am glad that I’m pretty much debt-free for the most part.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so much for writing us a review. We are very glad to know that we were there from you throughout the process. If you ever need anything else from us let us know.

      Verified purchase
      Customer Service

      Reviewed Jan. 29, 2020

      I had done some debt settlement with another company a long time ago and didn’t wanna call that one again. I called United Debt Counselors and I saw how they did. I like the way they have their set up. They paid off one and then I sent my money. Then they let me know when they were paying off the next one. Also, any time I called them, which wasn’t very often, they answered my question. I'd tell others to give all their bills to United and let them do their work.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so much for writing us a review. We are glad that you liked our process and the communication. If you ever need anything else let us know.

      Verified purchase
      Process

      Reviewed Jan. 13, 2020

      I was very pleased with the process that United Debt Counselors worked with me on. They were able to reduce the amount that I was paying monthly on the credit card and negotiated successfully with the company on a lower payoff.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so much for taking the time to write us a review. We are so glad that the program was a success and that you were very pleased with the process and the results. If you ever need anything else let us know.

      Verified purchase

      Reviewed Dec. 23, 2019

      My daughter made me reach out to United Debt Counselors. The company was nice, and they went with a payment that worked for the amount that I owed. I’m out of debt now.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so much for taking the time to write us a review, we really appreciate it. We are glad to know that the payment worked, our staff was nice and most importantly that we got you out of debt! If you ever need anything else let us know.

      Verified purchase
      Customer Service

      Reviewed Dec. 14, 2019

      United Debt Counselors to me is a very trustable and efficient company to use. When using this company I have had no trouble working with them. The customer service there is very quick at replying to any problems that I may have.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so much for taking the time to write us a review, we appreciate it. We are so happy to hear that we were trustworthy and efficient. If you ever need anything else let us know.

      Verified purchase
      Customer ServiceStaffProcess

      Reviewed Dec. 14, 2019

      I had fantastic interactions with the debt consultants at United Debt Counselors. At first, earlier this year, there was Tyler and then we got to a point where one of the credit cards wasn’t really working with us and we didn’t understand it so he moved it to Donna. She worked really hard to get the credit card company to work with us. But they were so stubborn about I had to have a PIN and they wouldn’t recognize me in the system for United Debt to be able to talk to them. They were very difficult when all we wanted to do was pay our bill. Also at the time, I had come down with some cancer and I was getting ready to go through treatment and Donna was absolutely fabulous. I called her and she said, “No, I told you. We’re not gonna worry about this until you get yourself situated.”

      Then when I called back about 2 months ago, the customer service folks set me up with a new person who was in a higher level to take care of the issue with the credit card that didn’t want to talk to me. Her name was Leticia and it took a little while for her to call me back but that was okay ‘cause when she called me back, they had it done that day. I don’t know how we figured it out for the credit card company to be able to authorize me to talk with them, but it happened and they also allowed the consultant to be able to talk with them.

      The issue turned out to be that I had another card with the credit card company and they went ahead and wrote off both cards at the same time and we didn’t know that. On the phone call, they had already sent me a 1099 for both cards. Leticia was great and she put them on hold and said, ‘I’ll be right back with you.” She talked to me and said, “They’ve already written this off, 1099, and you filed your taxes already. Do you want to double-pay this?” She also told me that there would be nothing wrong with me to say, “I don’t want to put any more money on this.” We thought that we still had one more credit card to negotiate and the credit card company must have just assumed that we were negotiating for both cards whereas we were only negotiating for one card in the beginning.

      I just can’t say enough good things about that counselor. If anybody were to come to me and say that they needed some help taking care of their credit, I would definitely recommend United Debt. I’ve got information in my phone that I could pass them on to it. I am now finished with the program and the quality of service I received was great. I got my statement in my e-mail every month letting me know what was going on so I could see that they were saving my money, and all the money that I had saved up for the last credit card. I’m hoping that I don’t ever have to use United Debt again, but they have been there for me when I needed them. Also, I was very happy to find out that they were backed by the BBB. That can relieve a lot of people’s skepticism about using a debt counseling service.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you for taking the time to write this review, we appreciate it. We are glad to know that your interactions with us were fantastic. If you need anything else let us know.

      Verified purchase
      Customer ServiceStaff

      Reviewed Dec. 1, 2019

      United Debt Counselors was great. They were very accommodating, easy to get in touch with and responded to phone calls by calling back or email quickly. I got three years in the program and I have completed it. Everything went fine.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so very much for taking the time to write us a review. We are happy to hear that we were accommodating and that you have graduated from the program! If you need anything else please reach out.

      Verified purchase
      Customer ServiceStaffProcess

      Reviewed Nov. 30, 2019

      United Debt Counselors helped me a lot. I was with them for three years and I graduated last October. And now, I’m debt-free. I didn’t know that you need to have funds with them before they do the settlement, and it was a big amount that I needed to pay them first. So, I was scared because there were a lot of calls from the bank. And then, later on when they started the process, it was so smooth and very good. Lisa was my debt counselor and she was great. What is good with United Debt Counselors is that they check with you every month and they ask you if you have any questions. They also give you an update on your account. I would recommend them to many people. They did a good job.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so very much for taking the time to write us a review. We are thrilled to hear that we helped you a lot and that we kept your informed throughout the process! If you need anything else please reach out.

      Verified purchase
      Customer ServiceStaff

      Reviewed Nov. 22, 2019

      I had credit card debts and I had United Debt Counselors help me get them debt-free two years ago. They took a certain amount out of my paycheck every month. They would also call back once a month to check on me. It’s all done now. They sent me a letter that said that everything was taken care of. I’m glad that they could help me out.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you very much for taking the time to write us a review. We are so glad to hear that we were able to help you out! If you ever need anything else do not hesitate to let us know.

      Verified purchase
      Customer ServiceStaffTransparency

      Reviewed Nov. 16, 2019

      United Debt gave me a call and they explained to me what they do, how they could help and the process. The consultant was very professional and she called me once a month to check up on me. She always kept me updated on the status of my application. She even told me that she was unable to reach them, so she told me to give them a call and try to settle the debt. She gave me a couple of options and I gave them a call. They told me that they needed a certain amount depending upon the balance.

      I was able to set up a payment plan and pretty much take care of the debt. Once they told me that was enough for what they needed, they stopped the payment and then it went from there. They started initiating the pay off with the actual companies. It was better for me because I was paying a low amount while I was paying the whole amount with the other company. Also, they helped me raise my credit score. Now, I’m clear and I am done with the process, so everything is good.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so very much for taking the time to write us a review. We are happy to hear that you felt we were professional and that we kept you in the loop during the process! If you need anything else please reach out.

      Verified purchase
      Staff

      Reviewed Nov. 10, 2019

      I was working with United Debt from 2016 and they were very helpful. They really worked for me. The lady that I dealt with gave good suggestions all the time. All four credit card debt cases were solved, but I only received one report out of four. Two were settled and for the other two, they said they were not charging me so they were resolved. But they're not going to give me any report. I need those reports which are settled because I want to apply for a house loan, and in the credit report, it is showing the full amount. The creditor said that if I settled that issue, I was supposed to show them a report that it was settled, and then they can issue a home loan or issue a primary approval.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thanks so much for taking the time to write our company a review. We are happy to hear that we were very helpful during the program. If you need anything else in the future do not hesitate to let us know!

      Verified purchase
      Customer ServicePriceStaffProcess

      Reviewed Oct. 18, 2019

      United Debt Counselors happened to be around at the right time, so I signed up with them. The enrollment process was a little bit complicated, but nothing out of the ordinary type of thing. And the service I got from them was great. The lady I was in touch with all the time, Nikita, kept me informed and when I had a question, I called her. If she didn’t have an answer right then, she got back to me within the same day. So far, I completed the program and paid off my debt. I sold my vehicle and I paid it off. The service was a little bit expensive, but everything was done on time and I could count on it. And it’s one thing more off my mind.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so much for taking the time to write us a review. We are glad to know that we kept you informed and that you have graduated from the program debt free! If you ever need anything else, we are here.

      Verified purchase
      Staff

      Reviewed Oct. 15, 2019

      I wanted my credit cards to be all under one payment but it didn’t go down and United Debt Counselors advised me on what to do. They talked to me good so I joined them and they were very good. I was with them for three years and I’m done with the program.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you very much for writing us a review and for the feedback. We appreciate it. We are happy the process was good overall. If you ever need anything else do not hesitate to let us know.

      Verified purchase
      Staff

      Reviewed Oct. 9, 2019

      It was an awesome experience with United Debt Counselors. My son gave me their number. The enrollment process was really good and quick. They came to my place and we signed up and I gave them all of my information. The woman who worked for them came right there. I was in the program for five years. I did a payment plan, like, did one credit card at a time. They negotiated and when that one was done, we went to the next one. I was kinda strapped until this was all done, but it was good.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so much for taking the time to write us a review. We really appreciate it. We are so happy to hear you have completed the program and that you had an awesome experience. If you need anything else please do not hesitate to let us know.

      Verified purchase
      StaffTransparency

      Reviewed Oct. 6, 2019

      Everything was fine with United Debt Counselors. I did a credit card debt program with them for three years. They came to me and the debt consultants were informative and they kept me up to date. They resolved everything except after I graduated, I got another letter. I had to go to court for a letter for a debt collector. But they were very nice and professional.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so very much for taking the time to write us a review. We are happy to hear that you felt we were nice and professional! If you need anything else please reach out.

      Verified purchase
      Customer ServiceStaffProcessTransparency

      Reviewed Oct. 4, 2019

      United Debt Counselors offered the best counseling. Their reps were always professional and easy to communicate with. And everything was explained very thoroughly to me. There was adequate communication. I'm finished with the program and I’m so happy with it. It has made life a little easier.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you very much for taking the time to write us a review. We are so glad to hear that we were able to make your life easier, that is our goal! If you ever need anything else do not hesitate to let us know!

      Verified purchase
      Staff

      Reviewed Oct. 3, 2019

      United Debt Counselors worked very well with me in figuring out a good payment program. The debt consultant was very direct. They helped with whatever problem I had. They'd update me once a month or whenever they have any questions. Everything has worked out well so far. They told me the program was completed. However, they were supposed to send me something in the mail, and I still haven't gotten it.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you for taking the time to write this review, we appreciate it. We are glad to know that we got everything handled and answered your questions along the way. I will have someone reach out regarding what you didn't get in the mail. If you need anything else let us know.

      Verified purchase
      StaffTransparency

      Reviewed Sept. 30, 2019

      The enrollment experience with United Debt Counselors was easy. They were really nice. The debt counselor stayed in touch with me often. And when they paid the bill off, they contacted me. They explained everything well. Working with United Debt has made my life a little better because I don't have the bills anymore.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thanks so much for writing us a review, we appreciate it! We are excited to know that we kept n good communication and that everything worked out well. If you ever need anything else, do not hesitate to let us know.

      Verified purchase
      Transparency

      Reviewed Sept. 22, 2019

      I received a letter a long time ago, and then I just called United Debt Counselors when I was interested in it. Donna, the woman who spoke to me, explained everything and I just agreed to do it. They were able to work with me on the payments, where it was directly taken out of my account. Working with United Debt helped me become stable where I didn’t have to worry about bills anymore. Everything went fine because I should be almost finished with it. I’ll be done by November.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so very much for taking the time to write us a review. We are happy to hear that the process as been smooth and that you are almost done! If you need anything else please reach out.

      Verified purchase
      Customer ServiceStaff

      Reviewed Sept. 19, 2019

      There were times that you could not get ahold of somebody to get you a good answer to what you wanted to know. United Debt's reps answered after a period of time but when I wanted to know then, it just dragged on and on. It was just one of those deals that I just stopped calling and to let them ride it and I just kept watching my checking account. Other that, everything went fine. I'm done with United Debt.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thanks so much for taking the time to write our company a review. We are excited to hear that your experience went well overall and thank you for the feedback on the communication, we will look into where that breakdown was. If you need anything else in the future do not hesitate to let us know!

      Verified purchase
      Staff

      Reviewed Sept. 18, 2019

      I had $44,000 in debt which I had to get paid. I happened to see United Debt, thought I’d give them a try and their service was wonderful. I had different reps and they were all very helpful. They let me know what was going on and how much I still owed. It was a wonderful experience for someone my age. I’m 80 years old and they were just so nice keeping me aware of what was going on. My program is all done. It took a little over three years. It was difficult not having the amount of money I used to have. But now that they’re paid off and no more debt, I have no more cards. I will not do that again.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thanks so much for taking the time to write our company a review. We are happy to hear that your experience was wonderful and that everyone was so nice. If you need anything else in the future do not hesitate to let us know!

      Verified purchase
      Customer ServiceStaff

      Reviewed Sept. 16, 2019

      I've been doing the program with United Debt Counselors since 2015 and I'm done with it now. The enrollment was painful at times, especially making that big payment. I couldn't make a huge payment but every time I called and whoever I talked to, they were always very helpful. They addressed my questions and concerns pretty well. They also got the special fees down and it was really easy to work with everybody. It hurt my credit rating. But that's going up now. It was an easy experience and it worked out for the better. When I had no way out, United Debt Counselors gave me a way out. It has been really good especially the last year when the payments were down. I was able to live a life again.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thanks so much for taking the time to write our company a review. We are glad to hear that your experience went so smoothly and that our program got you back to living life again. If you need anything else in the future do not hesitate to let us know!

      Verified purchase
      StaffTransparency

      Reviewed Sept. 10, 2019

      After reading updates, the information I read about United Debt was pretty good and I’ve been working with them for three years. The experience with the rep was excellent and he was very informative and up to date on everything. They were very accommodating when they worked with me on my payments and I was able to rest peacefully at night and not worry. I felt safe leaving the money in my account so that it was able to accomplish what needed to be done. They sent me a letter saying that I was done. Working with United Debt was the best and I just recommended my daughter.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so very much for taking the time to write our company a review, we appreciate it. So glad the process made you feel at peace and that you trusted us to take care of you. Thanks for sending your daughter our way. If you need anything else please let us know!

      Verified purchase

      Reviewed Sept. 7, 2019

      It was easy to get started with United Debt and I had a very good experience with their service. I have completed the program but I don’t have any paperwork. I thought once it was complete, I would receive paperwork telling me that it has been completed. I was told I would get something in the mail. But other than that, I’m fine now.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thanks so much for taking the time to write our company a review. We are happy to hear that your experience was very good. I will have someone follow-up with you on the paperwork you were expecting. If you need anything else in the future do not hesitate to let us know!

      Verified purchase
      StaffTransparency

      Reviewed Sept. 6, 2019

      Enrolling with United Debt was quite easy. The woman who came to the house was very good. She explained what was happening and I felt very comfortable with her. I've completed the program. The quality of service was good. I'm very satisfied.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so much for taking the time to write us a review. We really appreciate it. We are so happy to hear you have completed the program and that you were very satisfied with it. If you need anything else please do not hesitate to let us know.

      Verified purchase
      Staff

      Reviewed Sept. 4, 2019

      I wanted to get rid of credit cards and United Debt Counselors took care of all of them. Dealing with them has been very good. They were very knowledgeable and they kept in contact with me. They also worked with me on the monthly payment. I’m 94 and I wanted to get rid of all that pain on my neck. I was very satisfied with United Debt Counselors. It has made my life a lot easier.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you very much for taking the time to write us a review. We are so glad to hear that we were able to make your life easier, that is our goal! If you ever need anything else do not hesitate to let us know!

      Verified purchase
      Staff

      Reviewed Aug. 31, 2019

      I used United Debt Counselors to consolidate credit card debts. I talked to different companies and decided that United Debt would be the answer to the situation. The enrollment process went well and wasn’t that hard. The representative came over, talked to us and set up the program. My payment kept on going and my credit score eventually came up close to what it was before, but it took longer because they didn't contact the credit card people quick enough. When I talked to one of my credit card people, they told me that it took a long time for United Debt to contact them and that my credit score wouldn't have dropped nearly as low as it did if United Debt had gotten to them a lot quicker.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you for taking the time to write us a review, we appreciate it. We are happy to hear that the process went well and was easy. We have a method on when we contact the creditors to settle to get you the best offers. We are willing to further explain that if you have any further questions on how that works. If you ever need anything else please feel free to let us know.

      Verified purchase
      Staff

      Reviewed Aug. 30, 2019

      I had a lot of different counselors that worked on the service I availed from United Debt Counselors, but it was very good. They answered all my questions. Their service was very well, and I was pleased with the charges too.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you very much for taking the time to write our company a review. We appreciate it. We are excited to hear that everything went well and that we were there to make sure all your questions were answered. If you ever need anything else please let us know.

      Verified purchase
      PriceTransparency

      Reviewed Aug. 29, 2019

      When a letter was sent to me, I thought at that time that United Debt Counselors was the only way out. It took a little time but it actually worked out for me. The enrollment process wasn't that hard. It was just a matter of getting them a copy of your bills or whatever debts that you want them to take care of. You give them a copy of it so they know who to contact and how to contact them. If you have any issues such as one of the collectors trying to sue you for the money you owe them, all you had to do is call United Debt and they would have their people or their attorneys on it right away. Usually within a day or two, everything is settled, and you don't have to worry about that lawsuit anymore.

      I went through a couple of different reps. I talked to somebody whenever I called. They usually communicated with me every month or every other month to check and make sure everything is going well and if I had any issues or questions. I finished with the program and the cost was worth it. Everybody's gonna have a fee of some type.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you for taking the time to write this review, we appreciate it. We are glad to know that we got everything handled and the process was simple for you. If you ever need anything else please do not hesitate to let us know.

      Verified purchase
      Customer ServiceStaffProcess

      Reviewed Aug. 28, 2019

      United Debt Counselors' service and program were good. The enrollment process was pretty quick and my consultant was good. She used to get back to me when I had questions, which was great. She was timely and contacted me by phone call. They automatically took the monthly payment out of my account. I knew that there was a certain day I had to have it there. I had my own account so I can see where I was and where the money was going. It took me almost five years but I finally finished the program. I was going through some hard times which was why I went down. Now, I’m getting back on track and my credit is slightly going up. If someone asks, I'd say that United Debt did great. They helped me and I’m sure they'd help you.

      United Debt Counselors
      United Debt Counselors
      Pinned

      Thank you so much for taking the time to write us a review. We appreciate it. We are happy to know that the process was smooth, your credit is improving and that we did a great job. If you need anything else please let us know.

      Loading more reviews...

      United Debt Counselors Company Information

      Company Name:
      United Debt Counselors
      Address:
      3460 Lotus Dr. Suite 150
      City:
      Plano
      State/Province:
      TX
      Postal Code:
      75075
      Country:
      United States
      Website:
      www.udcamerica.com