
United Debt Settlement Reviews
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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.
- 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
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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- 4,691,129 reviews on ConsumerAffairs are verified.
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- 4,691,129 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
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
