United Debt Settlement

United Debt Settlement

 4.5/5 (35 ratings)
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United Debt Settlement
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Written by Vincent Landino
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 how much money it saves you.

Overall Satisfaction Rating

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  • Multiple debt relief services
  • Entire team is IAPDA-certified
  • Publishes proof of past settlements


  • Not available in all states
  • Doesn’t work with secured debt

Bottom Line

If you’re struggling with unsecured debt and you live in an area where United Debt Settlement operates, it’s probably worth getting a free savings estimate to see how the company can help and what it will cost you.

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, meaning its fees are based on a percentage of the amount it saves you.

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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Page 1 Reviews 0 - 5
Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Nov. 10, 2022

United Debt Settlement has been very cooperative with my needs as well as my asks. They've taken the time to go through additional details with me. When there were moments of me having more nerves, I was able to call in, mention what was happening and the reps were able to allow me to understand the situation. If I need to take a break, I'm able to take a break. They keep me updated as much as possible. I've had the opportunity to coincidentally get in contact with the same rep more than once. That provides some level of comfort. However, there are moments of when you call in and what they'll say is, "We can always call you back." But there isn't a particular timeframe on which they may call you back. There are moments of long wait times.

United Debt Settlement response

Hi Melissa,

We care a lot about helping people with their debt, that's why we take our time to underwrite each client to make the best decision regarding their financial situation. We also try to keep everyone updated because being transparent is part of our mission to help those in debt.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 19, 2022

    I was in a financial bind and I talked to a gentleman at United Debt, and he said they could help me get out of it over a period of a few years. So I said, “Okay, I’d give it a shot.” It's still costing me a fortune though. They’ve arranged to get my debt down, but I probably should have just paid it myself and not use this program. It ruins your credit too for quite a while. Other than that, United Debt did what they said they would do.

    United Debt Settlement response

    Hi Patrick,

    Thank you for the honest review. We try our best to negotiate as soon as possible, but yes this program takes time and is best for people facing a real financial hardship.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 15, 2022

    I love United Debt Settlement. I did a debt consolidation and the enrollment process was easy and very informative. The rep was able to explain the whole situation rather than trying to pitch me a fantasy saying, "This will be paid off completely in the next couple of weeks." I love the way they handle my debt situation, even though sometimes I have to push back the payments by a month. However, they are based in New York. So I understand that sometimes when I call, they don't pick up or the call drops. But they answer my emails pretty well and I was satisfied with that. Working with them also makes things a little easier on me to pay just one payment every month rather than pay multiple payments.

    United Debt Settlement response

    Hi Clarence,

    Thank you! We are happy your happy! If you have any questions any time, please know you can reach out, we are here for you.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 3, 2022

    First and foremost, my husband and I would like to recognize Ben **!! Ben assisted my husband and I in our new beginning to overcome our debt solutions!!! Ben went over and beyond all expectations and gave us all the tools to solve our debt and to begin to have a better future one day at a time!!! As many know, this process is not easy. Fortunately, we had the extreme pleasure of working with Ben **!! He made the process very manageable. He is extremely knowledgeable, thorough and most of ALL PATIENT!! We will definitely recommend United Debt Settlement and of course Ben to anyone that may be looking for a company that would assist in resolving financial matters!!

    We would also like to mention two people in your customer service department. Nawel & Cheyenne are exceptional!!! They also were very thorough and went over and beyond to assist my husband and I in any questions and concerns that we had. They are the front lines of United Debt Settlement!!! They are extremely courteous, kind and helpful!! They were quick to answer any questions or details!! They followed through and got back to us in a quick and timely manner!!! Thank you for making this process a blessing that will rectify our future!!!

    United Debt Settlement response

    Hi John & Kristine Guzman,

    Thank you for the kind words!! We are happy to help and are here for you with any financial advice and/or answers to questions you may have.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Resolution response: Sept. 16, 2022

    Thank you for resolving my concerns.

    Original review: Aug. 23, 2022

    Most of my experience with United Debt was fine. After a point, it became a little disappointing. In the beginning, I was told what the program was going to cost me over the life of the program. I was able to pay it off early because of some unexpected funds that came through. I asked for a payoff amount. When I got the payoff amount, I was told that it may or may not cover. At that point, I was paying more than what was projected at the beginning of the program. In addition to that, I had several creditors that I pulled out of the program. I came back, and then had some representatives come back to me later on and say, "We need additional funds to finish these last creditors."

    One was American Express. That was $5,000. I was able to pull them out because they made an offer to restore my card if I paid the full 5,000 on a payment plan. I had another creditor that was a few thousand dollars. They wouldn't take United Debt Settlement's payment method. I had to take them out and pay them directly. We've reached an agreement on it. That was another few thousand dollars.

    None of it made sense to me that I could even owe additional money. Some of the settlements were better than they had expected. I was like, "If they're better than had been expected and I've taken out thousands of dollars from the program and paid directly, how could I pay off the balance early and still owe additional money?"

    I sent a letter to one of the remaining creditors that they did not cover. It was a payday loan and the lender had an action brought against them. All of those debts were wiped out because the interest rates were illegal. There would have been money being collected for something that, in a letter that I had sent, I shouldn't have had to pay. It was particularly towards the end where the problems really came in because the one company that didn't accept United Debt Settlement's payment method, wasn't United Debt Settlement's problem, that was just a logistical problem. Took care of that. The American Express one was my choice. But all of that should have been to the benefit of my program. I didn't make any additional payments, so they discontinued my program.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 28, 2022

    My experience with them was good. One time, I was running short on money, so they even let me take a month off to do what I had to do. They were understanding and very good to work with. They seemed happy to do it. They were als right on time and were very available. They did quickly what they said they were gonna do.

    United Debt Settlement response

    Hi Maynard,

    Thank you for your kind words. We really strive to help those in a debt bind. I'm glad the team helped you, and happy it was done quickly!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 27, 2022

    The representative that helped my mom Mrs. Mary ** was Miss **. She was an absolute pleasure to work with. She made us feel like we were the most important case she was dealing with. She represented United Settlement in a most professional and compassion manner. Well done Miss **!

    United Debt Settlement response

    Hi David,

    We are so happy we helped! United Debt Settlement consists of hard-working people on a mission to help others face their debt. Thanks for letting us complete our mission!

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 26, 2022

    Working with them has been very good. The program is working fine and I'm happy to get rid of some of my debts. It's not too difficult to contact reps. They have experience and they know what they are doing. They worked well with us on the payment plan. We negotiated about the amounts and in the beginning, they gave me an extension if I paid a little less or a little more, but I just tell them what I was comfortable with every month. I'm happy with them and I definitely recommend for you to deal with these people.

    United Debt Settlement response

    Hi Araceli,

    Thank you for the kind words and honesty. Our team is happily here to help! If you have any questions do not hesitate to call, email, or text!

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    Customer increased Rating by 1 stars!
    Verified Reviewer Verified Buyer
    Original review: Oct. 19, 2022

    I'm close to completing the program with United Debt. They're great at settling my accounts but on the customer service level like trying to get information, they're not that great. I feel like the customer portals should have more information in terms of where the money is going like what payments have been out. I usually have to email them. It would be good to have that on the website at all times so that you can always check that.

    United Debt Settlement response

    Hi Peter,

    Thanks for the constructive words. We are working on our portal to be more transparent. We are also ramping up our customer service team. On a good note: We are happy you are finishing the debt relief program. You are on your way to financial success!

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 15, 2022

    Working with them really helped me a lot. I'm a hairstylist and because of the pandemic, I lost a lot of my clients. They lent me 2000 and I went making $700 a month in credit card payments to 183. It relieved my stress. Communication was great and everybody was really sweet. They made me feel important. I was beyond satisfied.

    United Debt Settlement response

    Hi Anthony,

    When we can help, it's our pleasure! United Debt Settlement consists of hard-working people on a mission to help others face their debt. Thank you for helping us complete our mission!

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    United Debt Settlement Company Information

    Company Name:
    United Debt Settlement
    240 W37th St Suite 400
    New York
    Postal Code:
    United States