Debt Settlement Near Me
Managing debt is a common challenge for many Americans. While credit can be a useful financial tool, it can quickly become overwhelming when unexpected events—such as a job loss, medical emergency, or major life change—occur. These financial pressures can strain relationships, disrupt long-term goals, and leave families living paycheck to paycheck.
United Debt Settlement provides personalized support for people looking for debt settlement services near them. Our team takes the time to understand your unique financial situation, clearly explain your available options, and negotiate directly with creditors on your behalf. Whether you want to reduce what you owe or simply need a clearer path toward financial stability, United Debt Settlement is dedicated to providing a reliable, accessible solution that puts your goals first.
Debt Relief In America By States
If you do not see your state above we may still be able to help you. United Debt Settlement works in most states. See if you qualify by applying for debt relief in America.
Nationwide Debt Relief, Personalized for You
Household debt problem? United Settlement can help! United Debt Settlement has supported thousands of clients nationwide, providing dependable guidance and customized debt relief solutions. With a strong track record of successful negotiations, the team helps people across the country reduce financial stress and regain control of their financial future.
Contact us here or give us a call at 888-574-5454 to discuss these available options and get going toward alleviating your household debt problem.
Why United Settlement?
At United Settlement, we can help you get your household debt under control. In an initial 30-45 minute phone interview session, one of our experienced debt counselors will ask questions relative to your income, expenses and debts, and discuss solutions specific to your household debt situation. Among the more common solutions available is the Debt Management Plan (DMP), which involves streamlining multiple credit card payments into one simple monthly payment.
Included in the advantages of enrolling in a DMP are lower interest rates and a lower overall monthly payment. However, if you’re already delinquent on some credit card accounts, Debt Settlement may be the better option for you, as it can result in creditors accepting lower balance payoffs. Or, if you have a variety of different creditors beyond unsecured credit card debt, a Debt Consolidation Loan can pay off many of your creditors while also resulting in a lower blended monthly interest rate and payment.
Two Primary Categories of Debt
There are two primary categories into which debt can be divided – unsecured debt and secured debt. With unsecured debt, the amount borrowed is not backed by collateral that can potentially be seized in the event of non-payment by the debtor. The most common forms of unsecured debt are credit card debt, medical bills, student loans and personal/installment loans.
In contrast, secured debt is backed by collateral that can be seized and sold by the creditor in the event of non-payment by the borrower. The most common forms of secured debt are home mortgages, home equity loans, and auto loans. Because secured debt is backed by collateral, creditors will often loan larger amounts at lower interest rates and more favorable terms than are offered in situations involving unsecured debt.
Types of Debts We Help With
United Settlement can help you tackle a wide range of debts, including credit cards, personal loans, private student loans, medical bills, lines of credit, and debts in collection. And while we don’t directly help with federal student loans, auto loans, mortgages and other secured debts, relief in other areas can make paying these bills much easier.
Top 10 States With the Most Household Debt
The national average for household debt is $48,800, of which mortgage debt represents $32,940. Average household debt, how much of that is household debt and how it compares to the national average varies by state, as seen below.
Please note that the following figures are for ALL households in a given state or region (for example, mortgage debt averages also include households with zero mortgage debt). All figures are culled from quarterly data compiled by the New York Federal Reserve.
State or Region | Average Household Debt | Mortgage Debt | Credit Card Debt |
Washington, D.C. | $84,380 (73% above national average) | $62,080 (88% above national average) | – |
Hawaii | $71,170 (46% above national average) | $54,680 (66% above national average) | – |
California | $70,100 (44% above national average) | $54,640 (66% above national average) | – |
Maryland | $70,010 | $50,900 | – |
Colorado | $68,450 | $50,900 | $3,530 |
Virginia | $65,050 | $47,370 | $3,760 |
Massachusetts | $63,070 | $47,370 | $3,760 |
Washington | $62,650 (28% above national average) | $47,110 (43% above national average) | – |
Connecticut | $58,860 (21% above national average) | $41,790 (27% above national average) | $3,730 (20% above national average) |
Alaska | $57,850 (19% above national average) | $41,580 (26% above national average) | – |
Common Questions About Local Debt Relief
How Do I Learn About Debt Settlement in My State?
Debt settlement laws and regulations can vary from state to state, so it’s helpful to review your state’s consumer protection guidelines and explore resources that explain how debt settlement works in your area. Experienced professionals, like United Settlement, can also help with personalized insights into your options.
How Can I Find a Licensed Debt Relief Company Near Me?
Look for companies that are properly registered with transparent fee structures and clear explanations of what type of services they provide. Set up a consultation to talk first, explore customer reviews, and make sure you’re only considering debt relief companies that can be trusted.
What Should I Consider When Choosing a Debt Settlement Provider?
When choosing your debt settlement provider, consider experience, communication, and program fit. A reputable provider should review your financial circumstances before making any recommendations and clearly share what your options are and what pricing entails.
Does United Debt Settlement Work with Clients in Every State?
United Debt Settlement supports clients across many states and can help you understand what your options are. Connect with us today to see how we can support your path to financial freedom.
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