United Debt Settlement Reviews
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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.
- Offers structured debt settlement program
- Employs certified debt specialists
- Shares examples of past settlements
- Availability may vary by state
- Does not work with secured debt
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.
United Debt Settlement Reviews
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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.
Reviewed April 1, 2026
I don’t even know where to start. I called to find out about the program. The first person I spoke with was Gary **. He right away made me feel at ease and guaranteed me this was the place for me. He went on to tell me in depth about the program and broke it down so I could really understand. He was very supportive and helpful. He was very patient as I crunched numbers that I could do in my head. It didn’t take long at all. The budget was perfect. I recommend them. Then I get to the verification part after Gary transferred me and I speak with John **. Right away he is pleasant and polite. He made me also feel very welcomed. As he verifying my information we get to my Birthday and comes to find out we are birthday twins. That’s when I knew this was god sent. I recommend dealing with these two because I know they are going to do their job above and beyond.
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Reviewed March 30, 2026
I was nervous about this, as I'd tried so many things in the past involving debt consolidation, only to find out half the money I would be saving, would be going to the debt consolidation company and affiliates. I have felt so defeated lately as I didn't think I had any other options. I took a chance and spoke with United Debt Settlement. I couldn't have been more pleased with the outcome of the phone call. The fact that if all goes according to plan, in 6mos may be eligible for a loan to pay off my debts and through the process increase my credit score, was a driving factor in my decision. I am more optimistic than I have been in quite some time that this program and, hopefully, the possibility of an actual loan in the future will help me secure the refinance of my home.
Hass ** was absolutely amazing! He explained everything so clearly and made sure I knew amd understood the process and what would be occurring in this process. Hass was also very kind and understanding. There was no judgment about my situation, and he made me feel like I mattered. Josh ** was also great!! He was so helpful during the last step of our call, and so kind and understanding. I am glad that I decided to actually take the call and complete this step. The best part, is saving me almost $100 per pay period!! Thank you Hass and Josh!! Diana
Reviewed Feb. 28, 2026
I had just come into a financial hardship after planning a manageable budget. I had been praying for God to help me through the hardship, knowing that He would. After praying one morning, United Settlement came across my cellphone. I was very skeptical and fearful of scams, but I decided to at least call and inquire. I was so happy that I did. United Settlement worked everything out perfectly, and I am now able to handle what would have been a financial hardship just fine. This unexpected situation could have ended very badly for me, but thanks be to God, He came through for me by using United Settlement to equip me with the provisions I needed to continue to pay all my debt without ruining my credit forever.
United Settlement explained that my credit score would drop initially, but once they started to pay my client and eventually pay them off, my credit score would rebound and possibly improve. If you are struggling with bills, over your head and don't know where to turn, or if an unexpected hardship occurred, contact United Settlement and see if you qualify. You will not be sorry; instead, you will be very relieved.
Reviewed Feb. 26, 2026
Matthew ** was incredibly thorough, patient, and genuinely easy to talk to. From the moment our conversation started, he made me feel like I wasn’t just another client on a list, but someone whose situation and long‑term stability actually mattered. He took the time to walk me through every detail of the process, explaining things in a way that was clear, grounded, and never rushed. I never felt judged or overwhelmed, which is rare when you’re talking about finances, debt, and the stress that comes with trying to get everything back on track.
What stood out most was how naturally the conversation flowed. We didn’t just talk numbers—he connected with me as a person. We talked about college, life experiences, and the bigger picture of what financial freedom can open up. That made the whole experience feel less like a transaction and more like a partnership. It’s obvious he knows his field inside and out, but he also knows how to communicate in a way that builds trust and confidence.
I walked away from our conversation feeling informed, supported, and surprisingly optimistic. If you’re considering reaching out to someone who will actually listen, explain, and guide you without pressure, call Matthew. He’s the kind of advisor who makes a stressful process feel manageable—and even a little enjoyable.
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.
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.
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.
Reviewed April 27, 2026
Very nice and helpful staff. All of them were amazing. Thank you.
Reviewed April 26, 2026
Respectful. Was very professional. Appreciate the honesty and understanding of what was being discussed.
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
