United Debt Settlement Reviews

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Edited by: Jon Bortin

About United Debt Settlement

United Debt Settlement offers a variety of services that can help you manage your debts, including debt settlement, debt consolidation and credit counseling. Its employees have all gone through training from the International Association of Professional Debt Arbitrators (IAPDA), and the company’s fees are based on the debt enrolled.

Pros
  • Multiple debt relief services
  • Entire team is IAPDA-certified
  • Publishes proof of past settlements
Cons
  • Not available in all states
  • Doesn’t work with secured debt

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What is United Debt Settlement?

United Debt Settlement, also known as United Settlement, is a debt relief company. It was founded by Marcel Bluvstein and Gabriel Gorelik in 2016, and it's based in New York City.

United Debt Settlement provides multiple programs that can help if you’re struggling with debt. These programs all function differently, so while they likely won’t all be right for you, there’s a decent chance one of them may be able to help.

United Debt Settlement services

United Debt Settlement offers three main services: credit counseling, debt consolidation and debt settlement.

The company works with both individuals and businesses. However, it’s worth noting that United Debt Settlement doesn’t help with bankruptcy, so you’ll want to contact a bankruptcy attorney if you need legal advice or help filing.

Also, the company has a $5,000 minimum debt requirement, and it only works with unsecured debt, which is debt that doesn’t have any collateral attached to it (like a house or car). Secured debts have assets that can be seized if you fail to repay them on time, while unsecured debts, like credit card debt and medical debt, don’t have any collateral associated with them.

How does United Debt Settlement work?

To get started with United Debt Settlement, submit your contact info on the company’s website for a free savings estimate. From there, a representative will reach out to you within 24 hours to tell you how much you can expect to save if you choose to work with the company.

Each of United Debt Settlement’s three main services works differently, so your experience will differ depending on which you choose:

  • Credit counseling involves speaking with a financial professional and creating a debt management plan (DMP). These three- to five-year plans require you to make a monthly payment directly to United Settlement instead of your creditors, and the company then works with creditors on your behalf. United Settlement designs its debt management plans to lower your interest rates and monthly payments so you can pay off your debt easier.
  • Debt consolidation combines multiple debts into one account through a new loan with a better interest rate and terms. You use this new loan to pay off your current debts, and because the new loan has more favorable terms, you can save money without hurting your credit.
  • Debt settlement requires you to withhold payments from your creditors so that they will be more willing to accept less money than you actually owe. United Settlement negotiates with your creditors during this period while you save up money for your reduced payoff once they reach an agreement.

While all of these plans can impact your credit score, debt settlement is the only one that usually does long-term damage. Debt consolidation, on the other hand, can actually improve your credit if you make reliable payments toward your new debt.

How much does United Debt Settlement cost?

United Debt Settlement doesn’t disclose pricing information publicly, but it does state that it operates on a “pay-for-performance” model. Its fees are based on a percentage of the amount of debt enrolled.

The company doesn’t guarantee specific results for its services, but it does state that clients who follow its programs can save roughly 25% off of their enrolled debt after fees. Assuming you had $50,000 in enrolled debt, that means you could end up saving $12,500 overall.

However, these results aren’t universal, and every situation is different. To find out how much United Debt Settlement can likely save you, contact the company for a free savings estimate.

United Debt Settlement FAQ

Do I qualify for United Debt Settlement?

United Debt Settlement doesn’t publish its requirements, but individual clients need at least $5,000 in qualifying debt to sign up, according to a representative we spoke with. If your debt is less than that, you may need to explore other options.

Will United Debt Settlement hurt my credit?

Working with United Debt Settlement may potentially hurt your credit, but the extent of the damage will likely depend on which debt relief program you choose.

Credit counseling and debt consolidation usually have moderate, temporary impacts on your credit, and consolidation can even improve your credit long-term. Debt settlement generally has a significantly negative effect on your credit, though.

What types of debt does United Debt Settlement handle?

United Debt settlement focuses on unsecured debt, which is debt that doesn’t have any sort of collateral attached to it. Common unsecured debts include:

  • Credit card debt
  • Medical debt
  • Student loan debt
  • Personal loan debt
Will United Debt Settlement resolve all my debt?

It depends on what you mean by “resolve.” It’s important to understand that debt relief does not completely eliminate your debt — all of United Debt Settlement’s programs still require you to make some form of repayment.

However, United Debt Settlement can help you pay off your enrolled debt in a more manageable way. Also, not all debts are eligible for enrollment with United Debt Settlement, so you could be left with some debt even if your enrolled debt is paid off.

Is United Debt Settlement legit?

United Debt Settlement is a legitimate debt relief company offering a variety of solutions for dealing with debt. The company publishes successful debt settlement letters on its website as proof of past results, and you can get a free savings estimate before you sign up. Availability is somewhat limited because of geographic restrictions and the company’s $5,000 minimum debt requirement, but United Debt Settlement is worth checking out for those who qualify.

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United Debt Settlement Reviews

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    Page 1 Reviews 0 - 5
    Customer ServiceStaffProcessTransparency

    Reviewed June 26, 2025

    I had the pleasure of speaking with Amparo from United Debt Settlement Program today, and I cannot express enough how helpful and supportive they were. The agent I spoke with was not only knowledgeable and professional, but also incredibly kind and patient. They took the time to clearly explain every step of the process, answered all of my questions thoroughly, and made what initially felt like an overwhelming situation much more manageable.

    What stood out the most was their compassion. It was clear they genuinely cared about helping me get back on track financially. I felt listened to, respected, and never judged. That level of empathy made a huge difference. Thanks to their guidance, I now feel more confident about moving forward with the program. I’m truly grateful for the positive experience and excellent customer service. Thank you for making a difficult time feel a little lighter.

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    Customer ServiceStaffProcessTransparency

    Reviewed June 4, 2025

    When Adrian ** first called me I was a bit skeptical about the trustworthiness of United Settlement. I have been scammed, robbed, and targeted as a senior so many times that I thought perhaps this is just one more call to extract information. However my fears were allayed when Adrian assured me that I did indeed have good news today. He said that I had been loyal in my payments during this process and that good things were happening now in reducing my debt. The reason that changed my negative thoughts was that Adrian explained exactly how the program worked and how the debt was really coming down. I did get good news today and I highly recommend United Settlement as a trustworthy Company to get your debt down..

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      Customer ServiceStaffTransparency

      Reviewed May 22, 2025

      United Settlement has been a lifesaver for me. I was so overwhelmed by my debt and didn't know where to start. After talking with them, I finally feel like I have a plan and can breathe again. They explained everything clearly and never made me feel embarrassed or pressured. By the end of the call I actually felt empowered and excited about my financial future. My agent was so patient and answered the countless questions I had. She took her time and made sure I understood everything. I have had a few more questions come up since our initial call and they have been quick to respond and super friendly. I’m so thankful I found United Settlement. If you’re struggling with debt and want a company that actually cares and knows what they’re doing, I highly recommend them.

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      Customer ServicePriceStaffProcessTransparency

      Reviewed May 13, 2025

      I must say I was very nervous at the beginning, but as I went through the process with the agent they were able to explain everything thoroughly for me. Every time I asked a question, he answered me directly and that is greatly appreciated. I tried other companies, and no one was as transparent as United Settlement. They made sure I knew exactly how much I was paying back and how this program really works. Their service fee was a lot less than the competitors and their program is Federally regulated, which sets me at ease.

      The main selling point for me was that they do not collect their fees up front and that is exactly what I wanted, instead they have to start getting job done before the company profits. They also double checked with me to make sure I understood everything rather than just put pressure on me to enroll. They are very responsive when I called in to ask a question and that is rare with the world of automated technology. Look no further because this a real company that actually cares and wants to help you become debt free. Thank you for a great experience! This really is going to help me put my family in a much better place financially, finally I can be stress free and not have to worry about how I'm going to pay these high interest credit cards!

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      PriceStaff

      Reviewed April 24, 2025

      I've been with United Settlement for almost two years now, and it’s truly been one of the best financial decisions I’ve ever made. At first, I was skeptical—when I found them online, I worried they might be just another company with high interest rates or hidden fees. But after speaking with several agents and understanding how the process worked, I decided to take a chance and begin the debt consolidation journey.

      The first six months were definitely a bit challenging, but things started to fall into place after that. Slowly but surely, I’ve been able to settle my accounts through the program, and my credit score has started to improve again. I'm genuinely thankful for all the support I've received along the way. Thank you, United Settlement.

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      Staff

      Reviewed June 27, 2025

      I'm writing this review mainly to shout out Mark in the customer service department. He helped me big time when I found myself in a pinch being able to make my scheduled payments. By listening to my issue, he was able to provide a solution by working with necessary managers and creating a realistic plan for myself while I navigate this hiccup in the road. Overall, I've had a pleasant experience working with United Settlement. I've fallen on hard times financially and even while being laid off and trying to make ends meet, they've been able to work with me and assist with making my scheduled payments. Not to mention, they're saving me a lot of money through their negotiations with my creditors.

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      Customer ServiceStaffTransparency

      Reviewed June 26, 2025

      United Settlement is amazing! The team truly looks out for the customer and helps you reach your goals. Communication is always clear, and they’re quick to answer questions with professionalism and kindness. I'm very thankful for their support and highly recommend them!

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      Reviewed June 25, 2025

      This company is horrible! I have made 21 payments and only 3 payments have been made towards the credit cards. They simply just take your money and run when I could have just paid off the card by now.

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      Resolution In Progress
      StaffProcess

      Reviewed June 19, 2025

      This company has done an amazing job handling my debt. I was a bit embarrassed when signing up for the program but the people who handled my account were super friendly and did not make me feel judged at all. I never thought I’d be in control of my finances again. I truly appreciate these guys.

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      Staff

      Reviewed June 19, 2025

      So, I normally don't write reviews, but I just had to this time. After drowning in debt with no way out, United Debt Settlement swooped in and saved the day! This company and their team go out of their way to address all my fears and concerns with regard to my debt. I'm able to finally live my life without having to worry about an ever-increasing mountain of debt that I can't get out of. United rocks!

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      United Debt Settlement Company Information

      Company Name:
      United Debt Settlement
      Address:
      240 W37th St Suite 400
      City:
      New York
      State/Province:
      NY
      Postal Code:
      10001
      Country:
      United States
      Website:
      unitedsettlement.com