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United Settlement » How United Debt Settlement Relieves Stress
marcel May 13, 2019

How United Debt Settlement Relieves Stress

There’s little question that debt plays a huge role in the U.S. economy. In fact, data from the New York Fed shows that aggregate household debt rose for the 18th consecutive quarter in Q4 2018 to an eye-popping $13.54 trillion, with home mortgages comprising the majority at $9.1 trillion. Is the American dream of home ownership alive and well? Maybe – but there sure is a whole lot of debt fueling it.

Meantime student loan debt, auto debt and credit card debt combined for a stunning $3.6 trillion (1.46 trillion, 1.27 trillion, and 870 billion dollars, respectively) while home equity lines of credit also checked in at $410 billion worth of debt.

Meantime, the average of all commercial and industrial loans extended to U.S. businesses in 2018 checked in at $663,000  with banks approving small business loan applications at the highest rate (26.9%) since the period following the financial crisis.

With so much debt floating around, there’s little wonder that many individuals and small businesses fall prey to a growing pile of onerous debt that can become insurmountable.

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.

Let’s take a closer look at how United Debt Settlement relieves stress and the various debt relief options that we offer.

Speak With One of Our Experienced Debt Relief Specialists

In an initial 30-45 minute conversation, one of our skilled, experienced and certified debt relief specialists will ask a series of questions related to your specific financial situation.

The interview will cover areas including annual income, monthly cash inflow, sources of cash inflow, monthly expenses, types of expenses, types of debt and specific debt levels for each type. Following this highly granular interview and discussion, a determination can be made as to the most appropriate form of debt relief that will best cater to your specific financial situation.

These may include debt settlement with your creditors, a debt consolidation loan that simplifies the repayment process, or structuring a debt management plan with your various creditors. All of these debt relief strategies are designed to save you money and time while alleviating stress.

And it’s important for you to know that United Settlement operates on a pay-for-performance model – with our fees based on a percentage of what we save for you. Let’s now examine each type of debt relief option available to you.

Debt Settlement

As our name would indicate, United Debt Settlement is extremely experienced and well-versed at successfully achieving debt settlements for our clients. Debt settlement occurs when we successfully negotiate a payoff amount for less than the total balance owed on a debt. The lower amount is agreed to by the creditor or collection agency and becomes fully documented in writing.

The amount frequently gets paid off by the client in one lump sum, though it may also be paid over a period of time. Although creditors are under no legal obligation to accept debt settlement offers, negotiating and paying lower amounts to settle debts is far more common than many people realize. At United Debt Settlement, we do the work for you. Following the initial consultation, we contact your creditors and handle all of the negotiations and discussion.

Remember, our incentives are aligned with yours – we get paid when you reap the benefits – and our clients have saved an average of 45% of their debt enrolled in our program, including fees. Our experienced debt professionals work hard to achieve the best possible debt settlement for you and your specific financial situation.

Debt Consolidation

Another form of debt relief that the debt specialists at United Settlement arrange for clients is known as a debt consolidation loan, which consolidates multiple debts into one single loan, typically resulting in a lower interest rate and monthly payment.

A debt consolidation loan provides the dual benefit of streamlining the repayment process while simultaneously lowering interest expense and the total amount that needs to be repaid over time.

If you have multiple accounts with multiple creditors and multiple payment dates, a debt consolidation loan can remove the stress involved with seemingly endless repayment of multiple accounts while also saving you money.

Debt consolidation loans are very popular among our clients for the convenience and debt savings that they provide while alleviating the stress involved with a complicated repayment process.

Debt Management Plan

A third common form of debt relief that the debt specialists at United Settlement arrange for clients is the debt management plan (DMP). For clients burdened with high levels of unsecured debt – including multiple credit card accounts – enrolling in a Debt Management Plan (DMP) can prove highly beneficial.

A DMP is a structured program that we design and manage for our clients that involves us negotiating lower interest rates and monthly payments with your creditors. Instead of keeping track of and making multiple monthly payments to a variety of different creditors.

A DMP allows you to make one streamlined monthly payment to United Debt Settlement, and we submit appropriate disbursements to your creditors according to the terms structured in the DMP.

The end result is that you save money through lower interest rates and lower monthly payments and get out of debt sooner than you otherwise would on your own.

Lower Your Stress Level

Shouldering a lot of debt is never easy, and this is something that we understand at United Debt Settlement. We’re here to help. Whether you’re struggling with an excess amount of consumer debt or business debt, our experienced debt professionals are familiar with the problems you are dealing with and know how to solve them.

Contact us for an initial consultation and together we will devise the appropriate debt relief solution to your specific financial situation. Life is too short to live under the stress of heavy debt. Get in touch, get on the road to financial health, and take a load off. You’ll be glad you did.

Excellent

Based on 377 reviews.
Overall 4.4 out of 5 stars

View All Reviews

Annette Huggins

March 14

That when it seems like nobody can help United will.

This was a great experience for me. I am just starting but Madelene Gallon made me feel like we were friends for years. She tried to make me feel that she would help me and make sure I got the best deal...

Kiirstin

March 01

Kind and caring

Had been searching for a while for a company I could trust to get me out of crippling debt. Really didn’t think it was possible. Spoke to Ben at United Debt and he assured me that not only was it possible,...

Kiirstin

March 01

Kind and caring

Had been searching for a while for a company I could trust to get me out of crippling debt. Really didn’t think it was possible. Spoke to Ben at United Debt and he assured me that not only was it possible,...

Dylan

February 28

Quick, easy assistance!

I've been working with Ben at United Debt to help me organize and get out of debt for once - I've been dealing with debt for ages and Ben showed me some simple ways to begin dealing with things to keep...

Takota Carrie

February 14

I need help

I really appreciate

JONICA Amber PIRON

December 21

Great!

Renika went above and beyond today to help me. She is wonderful to work with! Thank you again Renika for all of your help today! Happy Holidays to you!

Jayvon

December 20

Paying back

They where great listeners

Shawn abetha

December 14

Everything

Thanks

Robert Phillips

November 23

Do your home eork

Paid several thousand dollars and nothing done. Ended up settling 90%by myself. This is a preatory company. So do your homework. This will never post.

Dm

November 18

Customer service is truly helpful

Renika was so helpful. My account was paid off but I kept receiving notifications. She cleared up the situation.

Jose Rosa

November 16

Great Customer Service

Renika did a wonderful job handling my questions and transactions. She is very patient on the phone and took care of my needs accordingly.

Russ

November 03

Very helpful

Renika did a great job in answering all of my questions in a timely manner. She was polite and friendly. Keep her on the payroll.

Anthony Desoto

October 31

What's Important to me is United Settlement Costumer service !

United Settlement Costumer service is Amazing Everyone is Professional . I am so happy choosing them with my card Debt. thank you all for helping me out .

Ri cky

August 23

That this company has integrity!

A responsive company that keeps it clients up to date and fully informed. I like the fact that I can send them a text and be guaranteed an answer within 24 hrs.

Jerry Bolandis

June 04

Professional and focused on facts and truth not hype. Excellent. We want to know facts.

Great work very professional and great updates. Communication is excellent.

janice head

October 25

trust them

Excellent. Also each time i call there they treat me with respect even though they are probably thinking jerk . You sure have made mess of your life. but they have been taught to smile smile smile. this...

Scott W O'Neill

August 01

Thanks for all your help and negotiations.

Thanks for the update! I have faith in you guys and will continue my payments. Thanks for all your help and negotiations.

Cassandra Robinson

July 30

That A Settlement Was Entered.

I Absolutely Love You All At United Settlements. You All Have Saved My Credit Solutions. I Would Refer Everyone To You Services.

Mildred Yvonne Sherron

July 16

The results of the settlement attempts.

So far, I have found United Settlement more than satisfactory. Very conscientious and very efficient in providing a service in debt settlement. Thank you and all the members of your team who are assisting...

Diana Cardona

July 16

Tough Financial Hard Times During Covid-19

I signed up with United Debt Settlement because of large credit card debts, which had taken a financial toll on my credit. UDS has an outstanding reputation assisting clients like me achieve financial recovery...

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    Clients who stay according to 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
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