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United Debt Settlement Reviews

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Edited by: Jon Bortin

About 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 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.

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Pros
  • Offers structured debt settlement program
  • Employs certified debt specialists
  • Shares examples of past settlements
Cons
  • Availability may vary by state
  • Does not work with secured debt

United Debt Settlement services

United Debt Settlement helps consumers negotiate unsecured debts such as credit cards, personal loans and medical bills. While the company may discuss other options, it does not provide traditional credit counseling or offer debt consolidation loans.

The company mainly works with individual consumers and does not assist with bankruptcy. If you are considering bankruptcy, you will need to consult a qualified attorney for legal advice.

United Debt Settlement typically requires a minimum of around $5,000 in unsecured debt to enroll. It does not work with secured debts, which are tied to collateral such as a home or vehicle. Unsecured debts, like credit card balances and medical bills, are not backed by assets and are generally eligible for settlement programs.

How does United Debt Settlement work?

To get started with United Debt Settlement, you can submit your contact information on the company’s website to receive a free savings estimate. A representative will typically follow up to review your financial situation and explain potential options.

In this type of program, you generally stop making payments to creditors and instead deposit funds into a dedicated account. Once enough funds accumulate, the company works to reach settlement agreements and resolve debts for less than the full balance.

While you may hear about other debt relief options, these are separate services offered by different types of organizations:

  • Credit counseling: Typically provided by nonprofit agencies. May include a debt management plan (DMP), where you make one monthly payment to the agency, which then pays your creditors. These plans often aim to lower interest rates and simplify repayment.
  • Debt consolidation: Involves taking out a new loan to combine multiple debts into one. You use the new loan to pay off existing balances and then repay the loan under new terms.
  • Debt settlement: Requires you to stop making payments to creditors while funds are saved in a dedicated account. The company negotiates with creditors to accept less than the full balance owed.

All debt relief options can affect your credit, but debt settlement typically has the most significant impact because it involves missed payments and negotiated payoffs. Other options, such as debt consolidation, may have a less severe effect if payments are made consistently, though results vary based on your financial situation.

How much does United Debt Settlement cost?

United Debt Settlement does not publicly disclose exact pricing, but it operates on a pay-for-performance model. This means fees are typically based on a percentage of the debt enrolled and are only charged after a settlement is reached.

The company does not guarantee specific results, but it has stated that some clients may save around 25% of their enrolled debt after fees. For example, on $50,000 of enrolled debt, that could translate to approximately $12,500 in savings. However, these figures are estimates based on past performance and assume successful program completion.

Actual results vary depending on factors such as creditor participation, fees and your ability to stay in the program. To get a more accurate estimate, you will need to contact the company directly for a personalized quote.

FAQ

Do I qualify for United Debt Settlement?

United Debt Settlement does not publicly list all eligibility requirements, but it typically requires at least $5,000 in qualifying unsecured debt to enroll. If your debt is below that threshold, you may need to consider other options.

Will United Debt Settlement hurt my credit?

Yes. Working with United Debt Settlement will likely hurt your credit because debt settlement programs typically require you to stop making payments to creditors. This can lead to missed payments, charge-offs and a significant drop in your credit score.

What types of debt does United Debt Settlement handle?

United Debt Settlement focuses on unsecured debt, which is not backed by collateral. Common examples include:

  • Credit card debt
  • Medical debt
  • Personal loan debt
  • Some private student loan debt in limited cases
Will United Debt Settlement resolve all my debt?

It depends on your situation. Debt settlement does not eliminate debt entirely, and you will still need to repay a portion of what you owe.

In addition, not all debts are eligible for enrollment. This means you may still have some outstanding balances even after completing the program.

Still have questions?

Is United Debt Settlement legit?

United Debt Settlement is a legitimate debt relief company that primarily offers debt settlement services. The company shares examples of past settlements on its website and provides a free savings estimate before enrollment. Availability may vary by state, and there’s typically a minimum debt requirement of around $5,000. While it may be an option for consumers with significant unsecured debt, results vary and are not guaranteed.

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United Debt Settlement Reviews

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    Punctuality & Speed

    Reviewed June 30, 2026

    I signed up at a certain amount and a certain length with them getting paid a certain amount. Here we are 1 and half years later 1 account settled with reduction and 1 account being paid with no reduction. And the rest under review monies has went up and length has extended.

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    Staff

    Reviewed June 26, 2026

    It is refreshing to work with a company that truly delivers on its promises. That was exactly my experience with United Debt Settlement. Their team negotiated with my lenders on my behalf and successfully reduced my outstanding debt by nearly half. I am incredibly grateful for the role United Debt Settlement played in helping me become debt-free. Reaching this milestone has been life-changing, and I wholeheartedly recommend their services to anyone who is committed to achieving financial freedom.

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      Staff

      Reviewed May 29, 2026

      It was challenging at first but was able to get to an understanding

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      Staff

      Reviewed May 19, 2026

      Always super friendly and helpful! I never feel rushed. They take the time to explain and let you ask questions. Both of the times that I have had collections attempted after being enrolled in the program, their legal team took control and made things super simple and easy! I am more than half way through the program I can say they started to take the weight of the debt off of my shoulders since day one and it gets lighter every month!

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      Staff

      Reviewed May 11, 2026

      I'm so pleased - we are making great progress in settling my debt situation. The staff is wonderful and very responsive and supportive especially Saskia. She really helped me clarify some major questions I had. Thank you Saskia!!!

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      Customer ServiceRefunds & PayoutsCommunication

      Reviewed May 5, 2026

      The first 6 months were magical! Debt reducing! Now nothing! Stagnant accounts! No return emails. I send multiple emails with no communication back. I paid 25,000 for what???? I want some of that money back and want to settle the rest of the debt myself, this is like hiring beginners to do the job.

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      Customer ServicePunctuality & Speed

      Reviewed April 28, 2026

      My Debt reduction plan is right on schedule! I'll be debt FREE October 2027 from my original debt of $14,500. These guys are the BEST. They respond to my email requests within a day. Thank you United Debt Settlement.

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      Customer ServiceStaff

      Reviewed April 27, 2026

      I experience great customer service from Jay ** and John **. They both explained the service and answer my questions in a professional manner.

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      Staff

      Reviewed April 27, 2026

      Jesse was wonderful. He was very friendly and caring and was very helpful with getting everything set up. He was not judgmental and was really just there to help me with this. Jesse and Josh.

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      Staff

      Reviewed April 27, 2026

      Very nice and helpful staff. All of them were amazing. Thank you.

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      StaffHonesty & Transparency

      Reviewed April 26, 2026

      Respectful. Was very professional. Appreciate the honesty and understanding of what was being discussed.

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      Punctuality & SpeedStaff

      Reviewed April 25, 2026

      They were awesome and friendly. Very helpful and professional. Did take long and got approved quickly. Thanks to Diana and staff. Keep up the good work. Look forward to a better debt free and stressful future. God bless.

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      Staff

      Reviewed April 24, 2026

      Wow, Anastasia was so helpful and kind. She even gave me info on stuff I needed even outside of my debt settlement. Things that will help me at work. So helpful and I appreciate it.

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      StaffHonesty & Transparency

      Reviewed April 24, 2026

      John ** and Raymond. I can honestly say my experience with United Debt Settlement has been life-changing. When I first started, I felt overwhelmed, stressed, and honestly a little hopeless about my financial situation. But working with their team helped me finally see the light at the end of the tunnel. They took the time to explain everything in a way I could understand, without judgment, and made me feel supported every step of the way. Instead of feeling buried by my debt, I now feel like I have a clear plan and real progress happening.

      What I appreciate most is the peace of mind they’ve given me. Knowing that I’m moving forward and not stuck anymore has lifted such a weight off my shoulders. I finally feel hopeful about my future again. I’m so grateful I took that first step with them. If you’re feeling overwhelmed like I was, just know there is a way through—and this was that turning point for me.

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      Staff

      Reviewed April 24, 2026

      Very knowledgeable and seemed concerns with my needs

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      Customer ServiceStaff

      Reviewed April 24, 2026

      I had a positive experience with the customer service team while getting set up for debt relief. They were helpful, patient, and made the process easy to understand. I truly appreciate the support and guidance they provided during a stressful time

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      Customer ServiceStaff

      Reviewed April 23, 2026

      It was the conversation between me and Mr ** way before I even started with the program. They make you feel heard and seen and will do whatever they can to help you get your life back in track. I definitely recommend anyone to give them a call. Thank you.

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      StaffBilling

      Reviewed April 23, 2026

      WHAT A RELIEF!! I haven't felt this secure in years! The staff walked me through every single step. The payments are beyond manageable and they will take care of all my pressing debt. John ** and James were the best team. You could tell they cared well beyond their job descriptions and truly wanted to help. This process was made so much easier with their expertise and help. THANK YOU!

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      Staff

      Reviewed April 23, 2026

      Jay and John ** was great and help with the experience they gave me and walk me through the process.

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      Reviewed April 23, 2026

      So far so good. Saved me some funds that I was making with someone else.

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      Staff

      Reviewed April 23, 2026

      I received great service from John **. He was helpful and courteous and patiently explained the program.

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      Staff

      Reviewed April 23, 2026

      Everyone has been great to speak to, so kind! I appreciate the level of understanding that John ** and Thomas ** provided!

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      Punctuality & SpeedStaff

      Reviewed April 23, 2026

      The agent was extremely helpful and knowledgeable. However, he spoke a little too fast. This applies to both John ** and Jonathon **.

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      Staff

      Reviewed April 23, 2026

      Great work. I feel everything will be taken care of.

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      Staff

      Reviewed April 22, 2026

      Both John ** and Robert ** were great and patient with me during this time. Thank you again.

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      Punctuality & SpeedStaff

      Reviewed April 22, 2026

      I really had a good experience with them. They were truly helpful and punctual on everything.

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      StaffTransparency

      Reviewed April 22, 2026

      Everything was explained. Very nice and very patient in helping me understand. I appreciate all the help and explanations and want to Thank for all the help.

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      Staff

      Reviewed April 22, 2026

      Very helpful! Peace of mind. I hope this helps my situation!

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      Customer Service

      Reviewed April 22, 2026

      Awesome customer service!! They explained everything very well!!

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      Customer ServiceStaff

      Reviewed April 22, 2026

      Wonderful customer service! Non judgmental. James ** and John ** were amazing.

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      Staff

      Reviewed April 22, 2026

      Completely satisfied with speaking with both John (LIBRA TWIN) and Jay! Explained everything to me in detail for me to understand. So happy I chose United for help!

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      Transparency

      Reviewed April 21, 2026

      Burke ** was very articulate in his explanations and options for me. He and your services provided a calm that has been long time needed. Thank you.

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      Staff

      Reviewed April 21, 2026

      Wonderful service staff, John and Dylan were great.

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      Staff

      Reviewed April 21, 2026

      Great service, very easy to apply and accepted. Friendly service AAA+++

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      Honesty & Transparency

      Reviewed April 21, 2026

      Great in general and positively honest. Just happy to enroll this program. So I know, in the next 6 months I’ll be at least feel better about going forward this program.

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      StaffBilling

      Reviewed April 21, 2026

      I wish to thank Henry for all the information he has given me to resolve my credit card debt. He broke everything down and read everything to me. He was very clear spoken of which I could understand everything that he said. Henry was very easy to work with. I have been so nervous and depressed about my credit card situation and now I’m starting to feel a little better after speaking to Henry. I pray that everything will go smoothly with the settlement with my creditors. God Bless United Settlement.

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      Loan Process

      Reviewed April 21, 2026

      Explained everything about the loan clearly and made the process understood.

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      StaffBilling

      Reviewed April 21, 2026

      Hi, I spoke to Nikol Z., and he was very polite and informative of the company and how they help you with your credit cards. I’ve been with many debt relief companies and literally didn’t see much change, and paying high payments. But once I was aware of this company and policies and sign up and got a good payment that fits my budget. Nikol very helpful and gave me peace of mind that they are going to help me with my credit cards accounts to reduce the balances. Thank you, Nikol Z. for helping me out.

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      Punctuality & SpeedStaff

      Reviewed April 20, 2026

      Very helpful and very informative. Can't wait to see my results.

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      Staff

      Reviewed April 20, 2026

      Both men were very helpful. Robert ** and John **. he walked me through everything.

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      United Debt Settlement Company Information

      Company Name:
      United Debt Settlement
      Address:
      240 W. 37th St., Ste. 400
      City:
      New York
      State/Province:
      NY
      Postal Code:
      10001
      Country:
      United States
      Website:
      unitedsettlement.com