United Debt Settlement has an average rating of 4.3/5.0, based on 113 reviews.
ConsumerAffairs has been collecting reviews since 1998, including over 3,000 phone interviews per month to get the full story from real consumers.
We are in progress on gathering enough review data to provide you a breakdown. Check out the Web Consensus to see our analysis across all online reviews for this brand.
We gather and analyze all online reviews about this brand, so you can see the full picture in one place.
Log-in or create an account to get access to what 113 reviewers said about United Debt Settlement.
206 recent reviews we have found on the internet mentioned United Debt Settlement's customer service. 94% were happy or satisfied with the customer service, ranking United Debt Settlement 6th among debt settlement companies on our site.
318 recent reviews we have found on the internet mentioned United Debt Settlement's staff. 97% were happy or satisfied with the staff, ranking United Debt Settlement 12th among debt settlement companies on our site.
63 recent reviews we have found on the internet mentioned United Debt Settlement's process. 92% were happy or satisfied with the process, ranking United Debt Settlement 13th among debt settlement companies on our site.
95 recent reviews we have found on the internet mentioned United Debt Settlement's transparency. 93% were happy or satisfied with the transparency, ranking United Debt Settlement 15th among debt settlement companies on our site.
Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.
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.
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 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.
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:
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.
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 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.
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.
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:
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.
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.
Filter by Rating
Popular Mentions
A link has directed you to this review. Its location on this page may change next time you visit.
Reviewed Nov. 29, 2024
We are in the early stages and thus far the customer service has been outstanding the explanations on how the process is planned out for each individual. I’m very pleased that I made a choice to go with United Debt Settlement.
Reviewed Oct. 10, 2024
I have had nothing but great service, customer service keeps me updated on my progress of my accounts. I would recommend them to my friends and family. Never had nothing but great service from day one.
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Reviewed Aug. 30, 2024
They took my of 3100 then made up a story about 25% fee and was told so you would only get a refund of 516 that I never received. I have been getting the runaround since. They always say we get the person In charge of the account to call and they never do or when they do they say we going to take care of it with no results and no refund.
Reviewed April 17, 2024
UnitedSettlement delivered top-notch, friendly, and professional service, attentively guiding me through the process. Thanks to their support and negotiations, I've achieved freedom from debt—such a relief!
Reviewed March 29, 2024
So where do I start. I’m at almost 3 years of paying. Started off with 3 credit cards, after a year I got a notice that said they couldn’t settle one of the credit cards because of the state that it was in. Which was Washington state. So down to 2. They got those settled, and after I had paid both of them half way off, the company's payments stopped going through for one of them. The bank canceled the contract, and I have spent the last 8 months calling them to figure out the next plan. I’m 2 payments away from being done and have called probably 30 times.
Every single time I talk to a new person, and eventually it got escalated to a guy named Vin. He then emailed me back and forth for a few months and promised me I wasn’t going to have to pay any more money, and then ghosted a few months ago. So now I’m still trying to get one of the cards settled when I’m supposed to be done with the plan. Save your money and stress and just deal with the credit company yourself. The communication with this company is absolutely terrible. At this point I’m going to have 1 of 3 cards settled at a discount. The other is going to be full price.
Reviewed Sept. 10, 2023
I'm actively enrolled in United Debt Settlement. The enrollment process involved me sharing lines of credit that had opened and signing some things. The program broke down payments. They first collected everything into one payment that I pay altogether, and then also has made it more spread out over time without collecting too much more interest that would have me paying forever. If I am having trouble making a payment or if I need to change things, I call them up and they're able to try to work with me and break down payments differently. Everyone's very friendly and somewhat knowledgeable. If they don't know all the answers, they seem eager and willing to go figure out the answer for you as to the issue at hand. They will find out the answer and work with me the best they can to make it work for me. I was trying to get the best deal when they're actively trying to negotiate with the debtors.
Now that I am paying down the last of the debt that I owe, I hope there was a way to bring the negotiation back to the table somehow. Other than that, the quality of the service is good. It has provided me the structure to see the light at the end of the tunnel. United Debt is a good program to get into if you have a long-term goal of getting rid of debt and are okay with bottoming out your credit for a little while.
Hi Amanda,
It's great to hear that you've had a positive experience with United Debt Settlement and that we have been responsive to your needs throughout your enrollment in the program.
The way we brake down your payments into one manageable sum and spread it out over time while minimizing additional interest is a thoughtful approach to helping you become debt-free without prolonged financial burden.
It's reassuring to know that our customer service team is friendly and willing to assist, even if they don't have all the answers immediately. Our commitment to finding solutions and working with you to achieve the best possible outcome in debt negotiations is a valuable aspect of our service.
Keep up the good work in pursuing the best deal with their help, and it's encouraging to hear that United Debt Settlement is making a positive impact on your financial journey.
Reviewed Sept. 8, 2023
United Debt Settlement was the first one to be most hands-on. They helped me get it back on track financial-wise. And they also helped me settle with my credit card that had outrageous interest. The rep was very customer friendly, quick turnaround time on anything I needed. They matched to what I was able to afford at the time. And even though I've had additional settlements come up simultaneously, they were still able to work within my means. It has been all a good experience. I utilize credit cards less, made better financial decisions than I did when I was younger.
Hi Christopher,
It's fantastic to hear about your positive experience with United Debt Settlement! It sounds like we played a pivotal role in helping you regain control of your finances and settle your credit card debt with outrageous interest rates. Our hands-on approach, customer-friendly representatives, and quick turnaround time clearly made a significant difference in your financial journey.
Your commitment to utilizing credit cards less and making better financial decisions is commendable. It's clear that you've learned valuable lessons and have taken proactive steps toward a more stable financial future. Keep up the great work, and thank you for sharing your positive experience with United Debt Settlement!
Reviewed Aug. 20, 2023
I called United Debt Settlement. They went through the whole process of everything they do. They talked about what they charge and how they do it based on their income and whatever your debt is. It was simple and straightforward. You pay them a monthly fee, and then they put your money in escrow. Then they negotiate the settlement fees with the other companies. Based on the settlement agreement, they pay them off. I'm pretty much done with them and it's already been effective. There was a time period that their website was down for about a month. But they let me know it was down.
Hi Shawn,
It sounds like your experience with United Debt Settlement was characterized by transparency and simplicity, which is essential when dealing with financial matters. Their clear explanation of the process, including the breakdown of our fees and how they manage your debt, helps build trust and understanding between you and the company.
The method of putting your money in escrow and negotiating settlement fees on your behalf showcases a systematic approach to resolving your debt situation. It's great to hear that you're nearing the end of your journey and that you're already seeing effective results from our combined efforts.
While the temporary website downtime might have been a minor inconvenience, it's a positive sign that they promptly informed you about the situation. Effective communication like this ensures that you're kept informed and demonstrates their commitment to maintaining a smooth and reliable service.
Overall, it sounds like you've had a positive experience with United Debt Settlement, and you're on your way to achieving your financial goals with our combined assistance. Your story serves as a reminder of the importance of working with reputable professionals who communicate openly and deliver on our promises. If you have any more updates or financial achievements in the future, feel free to share!
Reviewed Aug. 19, 2023
The guy that I originally talked to from United Debt Settlement was very understanding and patient. I had $20,000 of credit card debt after my divorce. I was just looking to get rid of it as easy and as cheap as possible. United Debt Settlement gave me the best advice, which was just to hold off on the debt consolidation and get all that squared away because my credit will go down until it goes back up. Three months went by, and he didn't even call me once. After I got everything sorted out, I reached back out to the guy that originally called me and gave me all the advice. Then I set it all up and signed up that day. United Debt Settlement was able to help out. It was like a permanent payment plan and then 0% interest. They let me choose what day works best for me and I chose once a month on the same date, which is the 1st. I have it on an automatic payment system and I'm about 75% done.
Hi Tyler,
It sounds like you had a positive experience with United Debt Settlement, and it's great to hear that we provided you with understanding and patient guidance throughout your debt consolidation journey. Dealing with credit card debt after a significant life event like a divorce can be challenging, and it's admirable that you sought a solution to manage your financial situation efficiently.
The advice to wait and get things sorted out before pursuing debt consolidation was clearly valuable, as it allowed you to make a more informed decision. It's also evident that their approach aligned with your best interests, given the positive impact it had on your credit score over time.
Choosing a payment plan that suited your preferences, like the monthly automatic payment on the 1st of each month, demonstrates how United Debt Settlement worked with you to create a manageable and convenient arrangement. Reaching the 75% mark in your journey shows your dedication and discipline in following through with the plan.
Keep up the excellent progress, and as you approach the final stages of your debt repayment, you're getting closer to achieving your goal of financial freedom. Your experience is a reminder that seeking professional guidance and making well-informed choices can lead to positive outcomes in managing your finances. If you have any other financial aspirations or need further assistance, don't hesitate to reach out.
Reviewed Aug. 19, 2023
I wanted to consolidate all my finances. I really want to have all this debt behind me before I retire. I made a phone call to United Debt Settlement and I told them all my debt that I wanted to put in the program. They told me the amount that they were gonna take out of my checking account each month. It sounded sufficient enough for me to pay off my debt over so many years so I went for it. I've been all right with them ever since. In May, I should be in my last payment. It's been a long road of four years. United Debt Settlement got my back covered. I've been keeping honest with them, paying them before the time, and doing all the things I need to do. Everything was pretty good.
Hi Cole,
It's fantastic to hear that you've taken proactive steps towards managing your finances and working towards a debt-free future. Consolidating your finances and having a clear plan in place is a commendable decision, especially as you approach retirement. It sounds like United Debt Settlement has been a reliable partner on this journey, helping you create a manageable repayment plan and guiding you throughout the process.
Completing your debt payments in May and ending a four-year journey must feel incredibly satisfying. Your commitment to honesty and responsibility by making payments ahead of time reflects your dedication to achieving your financial goals. Keep up the great work, and as you continue down this path, you'll likely find even more peace of mind and stability in your financial situation. Your success story is an inspiration to others who may be facing similar challenges. If you have any further financial goals or questions, don't hesitate to seek advice and keep making informed choices.
