Do You Qualify For Debt Relief?

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Frequently Asked Questions

If you are struggling with high levels of personal or business debt, you are not alone and help is available. That’s where United Debt Settlement comes in – We’re here to alleviate the stress that accompanies struggling with high levels of debt. Our experienced debt relief specialists can help facilitate a variety of debt relief options that include debt settlement, debt consolidation and debt management plans.

In a word – Yes! Debt Relief Programs help the individual regain control over their financial life and get back on the road toward financial wellness. Not only can debt relief programs save you money by lowering interest rates and reducing monthly payments, but they also can get you out of debt in less time! Lower interest rates, achieved through a debt management plan or debt consolidation loan will generally result in less interest expense over the life of the debt. Meantime, debt settlement can lead to a creditor accepting less than the total amount owed on a debt. If you would like to know how debt relief programs work, contact us here at United Settlement.

Debt Relief Programs are designed and utilized to bring a debtor back to financial wellness, which includes strengthening a credit score and profile. Getting out of debt takes time and no debt relief program should be entered into as a quick fix, but can be entered into with intention, commitment and patience. Committing to the process will inevitably produce a stronger credit profile, but there can be short-term damage along the way. For instance, in a debt management plan, a number of credit card accounts can be closed, with the initial result being damage to a credit score. However, with time and consistent repayment, a credit score and profile will improve to a higher degree than when a program was initially entered into. Similarly, with debt settlement, delinquent accounts will damage a credit score, but when the negotiated amount is eventually paid off, a credit report will note the payment, and sometimes even note it as paid in full, which will help strengthen a credit profile. Finally, with a debt consolidation loan, outstanding accounts get paid off by the loan proceeds, and subsequent timely repayment behavior against the debt consolidation loan will result in a strengthening of a credit score and profile.

Yes, United Debt Settlement is a legitimate company. Our experienced debt relief specialists can help facilitate a variety of debt relief options that include debt settlement, debt consolidation and debt management plans. These debt relief strategies are designed to save you money, save you time, and minimize stress. It’s also important for you to know that United Settlement operates on a pay-for-performance model – our fees are based on a percentage of the amount we save for you.

Among the debt relief options available at United Debt Settlement are the debt management plan, which involves streamlining multiple credit card payments into one simple monthly payment, resulting in lower interest rates and a lower overall monthly payment. However, if you are delinquent on one or more credit card accounts, Debt Settlement may be a better debt relief option, as it can result in creditors accepting lower balance payoffs than the amount owed. If you have a variety of different high-interest rate debts, a Debt Consolidation Loan may prove to be the best debt relief option, as proceeds can be utilized to pay off multiple creditors and result in a lower blended monthly interest rate and payment.

When a business owner faces multiple high-interest monthly debt payments from a number of different creditors, things can get messy. Not only is it inconvenient to keep track of various payment schedules to ensure proper timely payments, the avoidance of late fees and damage to a credit score and profile, but it also can be far more expensive than making payments to one single creditor. A business debt consolidation loan taken out at a lower blended interest rate than that of the existing debt scenario can aid in strengthening monthly cash flow by reducing the monthly debt service payment. Another option is business debt settlement, as United Debt Settlement can negotiate with your creditors to settle debts for less than what is owed. Contact the experienced debt relief specialists at United Debt Settlement to discuss the business debt relief options that best suit you and your business’ specific financial situation.

Business Debt Settlement involves successfully negotiating and settling business accounts for lower payoff amounts than the total balance owed on them. These lower amounts are agreed to by the creditor or collection agency and are fully documented in writing. Terms are often settled in the form of a lump sum payment, although the settlement can also be paid off over a period of time. At United Debt Settlement, our experienced debt settlement professionals enjoy strong relationships with many of the leading providers of business debt and possess a broad understanding of the overall business lending landscape. If you and your business are currently burdened by high levels of business debt, the process of pursuing debt settlement can make sense, and we have a proven strategy in place for achieving successful business debt settlements for our clients. Together we can discuss the appropriate financial specifics related to your business and its debt, determine whether the process of pursuing business debt settlement is right for you, and help you rebuild your credit after debt settlement.

Success Stories

Brandon L.

Operations Manager, Construction

Before finding the right help, Brandon was overwhelmed by financial struggles. Poor budgeting left him in a negative headspace, and things took a turn for the worse when he lost his job. To stay afloat, he began using credit cards to pay off other balances, trapping himself in a relentless cycle of debt. As interest piled up, the situation felt hopeless—until he realized he needed expert guidance to regain control.

Determined to find a solution, Brandon researched debt settlement companies online and consulted several providers. What set United Debt Settlement apart was our honesty and transparency. Unlike companies that made unrealistic promises, we took the time to explain the process, answer his questions, and provide a clear, no-pressure approach. Brandon was searching for a trustworthy partner, and our commitment to integrity made his choice an easy one.

From the first consultation, the experience was seamless and stress-free. Our professional and responsive team guided him every step of the way. Brandon appreciated how easy it was to reach customer support, with quick answers and clear updates. There were no hidden fees or confusing terms—just straightforward communication that kept him informed at all times.

The biggest relief? Brandon no longer had to deal with creditors or debt collectors on his own. United Debt Settlement took over all negotiations and payments, giving him the freedom to focus on rebuilding his life. The peace of mind that came with knowing experts were handling his debt was priceless.

After completing the program, Brandon’s financial transformation was remarkable. His credit score skyrocketed from 600 to over 750, and he built a solid financial foundation. Best of all, he achieved a personal milestone—purchasing his dream car, a brand-new 2024 Mustang!

Brandon’s journey proves that becoming debt-free is possible with the right support. Thanks to United Debt Settlement, he now has the confidence and knowledge to manage his finances wisely. If you're struggling with debt, don’t wait—take control of your financial future today!

$28,427.00
$274.97
48 Months
$6,357.50

Brandon saved 23% on his debt

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

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

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

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

Cole D.

Former Employee

Before turning to United Debt Settlement (UDS), Cole Denckla struggled with crippling credit card debt after losing his job during the pandemic. Despite working extra hours, he relied on credit cards for basic expenses, quickly falling deeper into financial stress.

While researching debt relief options on Facebook, Cole compared multiple companies and chose UDS for their honest, consultative approach—a stark contrast to the sales-driven tactics of other firms. The process was transparent and seamless, with clear communication, no hidden fees, and regular updates that kept him informed every step of the way.

The biggest benefit? UDS significantly reduced his debt, making it manageable and easing his financial burden. Today, Cole feels more in control of his finances and even celebrated a milestone—his first vacation in seven years.

If you're struggling with debt, United Debt Settlement can help you regain control and achieve financial freedom. Get started today!

$69,083.00
$768.35
60 Months
$22,982.00

Cole saved 33% on his debt

Jennifer C.

Housewife

Jennifer struggled with mounting debt, relentless collection calls, and financial strain after her husband's job loss during the COVID-19 pandemic. A friend recommended United Debt Settlement (UDS), and after reading positive reviews, she decided to take control of her finances.

The debt settlement process was seamless, with UDS handling negotiations and providing regular updates. Jennifer was amazed by the results—many of her debts were reduced by more than half, leading to unexpected savings and financial relief.

Since enrolling, Jennifer has gained valuable budgeting skills, reduced stress, and regained control of her financial future. If you're struggling with debt, United Debt Settlement can help you take the first step toward financial freedom today!

$84,099.00
$1,245.15
48 Months
$24,331.95

Jennifer saved 29% on her debt

By clicking the “continue” button you agree to the privacy policy and you agree to be contacted at the phone number provided as a best contact number, and/or emailed for the purpose of communication regarding evaluation of debt relief services. Clients who stay according to the debt relief program can realize approximate savings of 50% before fees, or 25% including fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for reasons such as: their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period. We do not assume consumer and/or business debt, provide tax, bankruptcy, accounting, legal or credit repair services/ advice. Our program is not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. If you have any additional questions please contact us. NMLS ID: 1947026

Copyright 2025. United Settlement, LLC

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