Get Debt Relief

United Settlement is a team of dedicated, hard-working professionals on a mission to help others overcome their debt.

We’re proud to have helped thousands of people successfully resolve their debt and take control of their financial future.

ARROW1

Trusted By Our Clients:
Thousands Of People Helped!

4.7   3,503 Reviews
View Reviews

How Does It Work?

ARROW2

Ready To Get Started?

See if you qualify for debt relief. Get a Free savings estimate to see how quickly you can be debt free.

Embrace financial freedom with our tailored solutions, expert guidance, and unwavering commitment to your success.

Experienced Professionals

Our experienced team has helped thousands of clients successfully eliminate debt and regain financial freedom.

Customized Solutions

We know every financial situation is different, so we design personalized debt relief plans to fit your specific needs and goals.

High Success Rate

Our proven debt relief strategies deliver real results. With a strong track record of success, we help clients achieve lasting financial stability.

Confidential Consultation

Your privacy is our priority. All debt relief consultations are 100% confidential and handled with the highest level of discretion.

Explore Our Debt Services & Solutions

Personal Financial Health

Financial health involves managing expenses, saving for the future, and maintaining a strong credit score. It's essential for long-term economic stability and involves regular assessment and strategic planning.

Credit Card Debt Services

Credit card debt services help individuals manage and reduce their debt through consolidation, settlement, negotiation, and counseling. These services aim to lower interest rates, create manageable repayment plans, and provide financial guidance to achieve debt relief.

Medical Debt

Medical debt refers to bills for healthcare services that individuals owe to hospitals, doctors, or other medical providers. Often people receive medical care but cannot afford to pay the full cost out-of-pocket, even after insurance coverage.

Bankruptcy

Bankruptcy is a legal process that helps individuals or businesses eliminate or repay debt under court protection. It can stop collections, protect assets, and provide a fresh financial start through Chapter 7, Chapter 11, or Chapter 13 bankruptcy options.

Student Debt

Student debt is money borrowed for education, often through federal or private loans. Student debt solutions include refinancing, income-driven repayment, loan forgiveness, and consolidation, helping borrowers manage payments, reduce interest, and achieve financial freedom.

Tax Debt

Tax debt occurs when individuals or businesses owe unpaid taxes to the IRS. Tax debt solutions include installment agreements, offers in compromise, tax settlement, and penalty abatements, helping reduce debt, manage payments, and resolve tax issues efficiently.

Auto Debt

Auto debt is money owed on car loans or leases. Auto debt solutions include refinancing, loan consolidation, payment restructuring, and trade-ins, helping borrowers lower interest rates, reduce monthly payments, and manage their auto debt effectively.

Home Debt

Home debt refers to mortgages or home equity loans. Home debt solutions include refinancing, loan modification, debt consolidation, and foreclosure prevention, helping homeowner’s lower payments, reduce interest rates, and regain financial stability.

Get Debt Relief

Speak with licensed debt specialists dedicated to guiding you toward financial stability every step of the way.

Debt Settlement Near Me

Debt settlement laws vary by State, so it’s important to understand your local regulations before enrolling in a program.

Use the map below to select your State and explore the debt relief options available. Each State page provides details on eligibility, program guidelines, and your rights under local debt settlement laws.

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

Learn Local Laws

Most States have their own debt settlement laws that govern what types of debt can be enrolled, whether companies must be licensed, and how fees are regulated.

See If Your State Qualifies

From this section, you can check if debt relief is available in your area and find out whether your State qualifies for enrollment in a settlement program.

State-Specific Guidance

We’ve taken the time to carefully curate State-specific information just for you—use these resources to make informed decisions and take the next step toward becoming debt-free.

Your Trusted Financial Freedom Partner

United Settlement helps individuals and families break free from debt with personalized, expert solutions. Our experienced team specializes in debt negotiation, offering proven strategies to reduce what you owe.

We’re committed to guiding you toward lasting financial freedom with compassionate, results-driven support.

Success Stories

Family 1

Tyler D.

Construction Estimator and Family Man

After a difficult separation, Tyler found himself struggling to make ends meet. He was barely managing minimum payments, and high interest rates were consuming nearly all his income—leaving him with just $100 to spare. Stuck in a never-ending cycle of debt, Tyler felt hopeless. He needed a way out, and that’s when he discovered United Debt Settlement.

How United Debt Settlement Changed Tyler’s Life

While scrolling through social media, Tyler came across United Debt Settlement. Skeptical but desperate for a solution, he reached out and connected with a Certified Debt Specialist. From the very first conversation, he knew he was in the right place. The team was understanding, patient, and knowledgeable, making him feel confident in taking the next step.

A Simple, Transparent Process

One of the things Tyler appreciated most was the straightforward and transparent approach. United Debt Settlement walked him through the process in clear, easy-to-understand terms, ensuring he knew exactly what to expect. Patience was key, but seeing real progress made every step worth it. Regular communication and transparency gave Tyler the peace of mind he needed to stay committed.

Breaking Free from Debt for Good

What truly set United Debt Settlement apart was their ability to stop the cycle of debt accumulation. No longer drowning in mounting interest payments, Tyler finally had the chance to pay down his debt without worrying about new charges. This financial relief allowed him to take back control and start planning for a secure future.

A New Beginning: Stability, Better Credit, and Homeownership

Thanks to United Debt Settlement, Tyler’s financial situation has dramatically improved. He’s no longer stressed about making ends meet and can use his money more effectively. His credit score has significantly increased, and best of all—he recently purchased his own home!

$24,152.00
$401.01
45 Months
$6,615.34

Tyler saved 27% on his debt

Screenshot 2024

Gina P.

Singer with the St. Louis Symphony Orchestra

Gina had no financial education and was drowning in mounting debt and high interest rates that felt impossible to escape. When she discovered United Debt Settlement (UDS) online, the authentic, positive reviews reassured her. The process was streamlined and stress-free, with clear communication and proactive creditor negotiations that eased her financial burden.

With expert guidance and exceptional client support, Gina quickly improved her financial situation. Now, as she approaches debt freedom, she credits UDS not only for helping her break free but for empowering her with lifelong money management skills.

Ready to take control of your finances? Start your journey with United Debt Settlement today!

$47,839.00
$756.00
44 Months
$16,743.65

Gina saved 35% on her debt

Screenshot 2024

Ziarmal H.

Primary care physician, dad to 3 wonderful kids

Facing his wife’s sudden illness and unexpected unemployment, Ziarmalt found himself drowning in mounting debt and financial uncertainty. Struggling with escalating bills and no steady income, he turned to United Debt Settlement (UDS) after discovering their strong reviews and compassionate approach on social media.

UDS provided a personalized debt settlement plan that reduced his financial burden far beyond expectations. The relief not only restored his financial stability but also greatly improved his mental well-being, eliminating the stress of borrowing from family and allowing him to regain his peace of mind and dignity.

Ziarmalt’s transformation from financial hardship to stability highlights the life-changing impact of UDS’s expert debt negotiation strategies. If you're struggling with debt, United Debt Settlement can help you take control today!

$15,455.00
$341.00
36 Months
$3,145.55

Ziarmal saved 21% on his debt

Screenshot 2024

Donna E.

Retired Businesswoman

After her husband's passing, Donna was left with overwhelming debt and limited income from her pension. Unsure where to turn, she discovered United Debt Settlement (UDS) through an email and was drawn to their genuine support and transparency.

Choosing UDS proved to be a life-changing decision. Their team handled her debt confidentially and with compassion, providing clear communication and expert guidance every step of the way. Thanks to their effective debt resolution process, Donna found financial relief, peace of mind, and a path toward becoming debt-free.

Her journey with UDS transformed her stress and uncertainty into hope and stability. If you’re struggling with debt, United Debt Settlement is here to help!

$16,292.00
$537.00
48 Months
$3,115.40

Donna saved 19% on her debt

Frequently Asked Questions

Since 2016 United Settlement has helped over 20,000 people get out of debt. Every month, over one thousand new people trust us to take control of their debt finances. We are highly rated and take pride in our proven success.

  • Trustpilot Over 3,500 reviews 4.7 out of 5 rating
  • Google Over 1,100 reviews 4.8 out of 5 rating
  • Consumer Affairs Over 130 reviews 4.7 out of 5 rating

If you are struggling with high-interest credit card debt, United Settlement offers a way out. If financial hardships, like job loss or divorce has made it impossible to keep up with payments, our program can help. Let us help you take control of your debt. Debt settlement can lead to a creditor accepting less than the total amount owed on a debt.

Debt settlement helps you pay less than you owe by negotiating lower balances with creditors. Instead of paying them directly, you’ll make monthly deposits into a Dedicated Savings Account.

As funds grow, we negotiate with creditors. Once a settlement is reached, you authorize payments from your account to clear your debt at a lower cost.

We work with:

  • Credit Cards
  • Personal Loans & Lines of Credit
  • Medical Bills
  • Collections
  • Repossessions
  • Private Student Loans, Business Debt & More

Our fee is performance-based, we only get paid when we deliver results, and you’re satisfied with your savings.

 At United Settlement we ensure affordability, we assess your budget to find a real solution. With a flexible deposit schedule, you stay in control every step of the way. As soon as you enroll, your monthly payment is reduced.

Master Your Finances:
Latest Insights & Articles

Scroll to Top