Success Stories
Average Client Saves 45% on Enrolled Debt
*before fees
Real People, Real Results
Proven Step-by-Step Process
Starting debt: $69,083.00
Cole D.
Former Employee
Cole saved 33% on his debt
Real People, Real Results
We’re proud of our clients who’ve faced great challenges to pay off their debt. Here are a few inspiring success stories that showcase tremendous perseverance to becoming debt-free.
Tyler D.
Construction Estimator and Family Man
Tyler saved 27% on his debt
Ziarmal H.
Primary care physician, dad to 3 wonderful kids
Ziarmal saved 21% on his debt
Abraham M.
Construction Worker / Operator
Before reaching out to United Debt Settlement, Abraham was overwhelmed by a mix of payday loans, installment payments, and everyday bills. His income, tied to construction work, was unpredictable due to inconsistent hours and a slowdown in available jobs. With rising debt and unstable earnings, staying financially afloat became a constant struggle.
How did Abraham discover United Debt Settlement, and what inspired him to reach out?
While exploring solutions online, Abraham came across United Debt Settlement. What caught his attention were the high Google ratings and an impressive number of genuine, positive client reviews. The transparency and credibility he found gave him the confidence to take the next step and ask for help.
What was Abraham’s experience working with United Debt Settlement?
Abraham found the process to be clear, simple, and reassuring. From the very beginning, everything was explained in a way that made sense to him. He never felt left in the dark—United kept him updated throughout each phase, giving him peace of mind and a sense of control over his finances.
What aspects of our service had the biggest impact on Abraham?
For Abraham, the standout was the exceptional customer service. He consistently felt supported by a team that was kind, respectful, and professional. Every interaction was handled with care, and the guidance he received helped him stay organized and confident throughout the program.
How has Abraham’s financial situation improved since completing the program?
Today, Abraham is in a much stronger financial position. He has more breathing room in his budget and the freedom to take on new responsibilities. With his debt behind him, he’s purchased a car, is supporting his family more comfortably, and is now in the process of buying a home—something he once thought was out of reach.
Abraham saved 21% on his debt
Lisa F.
Registered Nurse (RN)
After graduating from St. Paul’s with her nursing degree, Lisa was eager to start her career. But landing a full-time nursing position took longer than anticipated. In the meantime, she struggled to manage both student loan payments and basic living expenses. To bridge the gap, Lisa turned to credit cards—but the high interest rates quickly made her debt spiral out of control, leaving her feeling overwhelmed and stuck.
How did Lisa discover our debt settlement company, and what made her choose our services?
Lisa first discovered United Debt Settlement through social media. She was drawn in by real stories from people who had overcome similar financial struggles. The honest and relatable testimonials gave her hope that there was a way forward. That sense of trust led her to reach out—and contacting United became one of the most important steps in her financial recovery.
Can you describe the process of working with our company to settle Lisa’s debts?
From the very first conversation, Lisa felt heard and supported. The team at United took the time to explain everything clearly, giving her a full understanding of what to expect. Together, they built a customized plan that matched her financial reality. United then stepped in to negotiate with her creditors, helping reduce her total debt. Throughout the process, Lisa felt she had a true partner in her corner.
What specific aspects of our debt settlement services were most helpful to Lisa?
Lisa found the personalized approach to be the most impactful. Rather than a generic solution, United tailored a plan to her unique circumstances. Frequent communication and consistent updates helped her feel in control and informed at every stage. Most importantly, seeing her debt reduced gave her a renewed sense of hope.
How has Lisa’s financial situation improved since utilizing United Debt Settlement?
Today, Lisa is completely free from credit card debt. She’s working full-time as a registered nurse and steadily paying down her student loans—without the anxiety that once held her back. With her finances back on track, Lisa feels confident, empowered, and thankful to have a fresh start and a clear path forward.
Lisa saved 23% on her debt
Michael D.
Sanitation Worker
When Michael returned home after serving his country overseas, he expected to rebuild his life in peace. But what awaited him was a different kind of battle — one he hadn’t trained for. Adjusting to civilian life proved harder than anticipated. Without a steady job and no roadmap for this new chapter, Michael turned to credit cards to cover basic needs. What started as a temporary solution quickly spiraled into unmanageable debt. Each month became a struggle, with mounting bills and constant financial stress clouding his path forward.
A Fellow Veteran's Recommendation: Finding the Right Help
Michael first learned about United Debt Settlement through a fellow veteran who had faced similar challenges. Their shared experience sparked hope. His friend spoke highly of the company’s compassionate approach and their proven success in helping people find financial relief. That personal recommendation, combined with the company’s reputation for transparency and tailored solutions, gave Michael the confidence to reach out. It felt like the right place — one that truly understood where he was coming from and how to guide him forward.
Step-by-Step Support: Navigating the Debt Settlement Process
From the start, the team at United Debt Settlement approached Michael’s situation with care and clarity. They listened without judgment, assessed his financial reality, and designed a plan that worked for him. With a clear roadmap and a supportive team handling negotiations with creditors, Michael no longer felt like he was fighting alone. He received regular updates, honest communication, and the assurance that his financial recovery was in motion — one step at a time.
What Made the Difference: Human Connection and a Real Plan
What stood out most to Michael was the human side of the service. The consistent communication, encouragement, and genuine concern reminded him that this wasn’t just about numbers — it was about rebuilding a life. The structured, manageable payment plan gave him room to breathe. For the first time in years, he felt in control, knowing exactly what to expect and how he was progressing toward his goal.
A New Chapter: Living Debt-Free and Proud
Today, Michael is no longer burdened by debt. He’s working full-time in sanitation, financially stable, and living on his own terms. The credit cards he once relied on are a thing of the past. Most importantly, he feels proud — not just of his service, but of his resilience and the life he’s rebuilt. Thanks to United Debt Settlement, Michael reclaimed his financial freedom and opened the door to a future full of possibility and peace.
Michael saved 27% on his debt
Tina D.
School Bus Driver
Tina had always managed to get by on her steady income as a school bus driver. But when she needed hip surgery and had to take extended time off work, everything changed. With no income coming in for several months, the bills began to pile up. Basic expenses became a daily worry. Tina’s credit card balances climbed as she struggled to keep her head above water. Each unpaid bill added to the weight of her financial stress, and soon, she found herself overwhelmed and unsure of where to turn.
A Glimmer of Hope: Discovering United Debt Settlement
Desperate for a solution, Tina began searching online for help. That’s when she came across United Debt Settlement. Unlike other sites, theirs stood out — it was clear, honest, and filled with stories from people who had been in situations like hers and found relief. Encouraged by what she read, Tina reached out. Her first conversation with a representative left a strong impression. She was met with empathy, professionalism, and a genuine willingness to help. For the first time in months, Tina felt a sense of hope.
Step by Step: Working Toward Financial Stability
From the moment Tina signed on, she felt supported. The team at United Debt Settlement took the time to walk her through the entire process. They helped her set up a realistic monthly payment plan that matched her new, limited budget and began negotiating directly with her creditors. Regular updates kept her in the loop, and Tina never had to face a difficult phone call or confusing letter alone. The burden of handling creditors was lifted, allowing her to focus on healing from surgery and rebuilding her life.
Support That Matters: What Made the Difference
What truly stood out to Tina was the continuous support and transparency. Every step of the way, the team made sure she understood what was happening. They answered her questions patiently, set clear expectations, and celebrated small wins with her. The customized payment plan was manageable, and she never felt judged — only supported. That sense of having a reliable partner in her corner made all the difference.
A Brighter Tomorrow: Life After Debt
Today, Tina’s life looks very different. A significant portion of her debt has been settled, and she’s back at work with a much lighter financial load. Her monthly budget finally has some breathing room, and the anxiety that once kept her up at night has been replaced with peace of mind. More than anything, Tina feels hopeful again. Thanks to United Debt Settlement, she’s not just recovering from surgery — she’s rebuilding her future.
Tina saved 24% on her debt
Donna G.
Retired Medical Tech
When overwhelming debt and personal hardship left Donna with nowhere to turn, she found a lifeline in United Debt Settlement. Her journey from financial crisis to peace of mind is a powerful example of how the right support can change everything.
A Life-Changing Setback
In 2008, Donna’s life was turned upside down. After falling seriously ill, she was forced to leave her job. At the same time, her husband was also unemployed. With no income, essential services like running water were shut off, and they eventually lost their home. Medical bills and daily expenses continued to pile up, pushing Donna deeper into debt. Unable to return to work, she took early retirement—further tightening an already difficult financial situation.
Searching for a Way Out
Determined to find a solution, Donna began researching debt relief options online. At first, she considered taking out a loan, but quickly realized it would only add to her financial burden. That’s when she discovered United Debt Settlement. Impressed by our strong client reviews and industry accreditations, she decided to reach out—hoping for a path forward.
A Personalized Plan and Supportive Team
From the moment she contacted us, Donna felt heard and understood. Our team took the time to evaluate her full financial picture—reviewing outstanding balances, past hardships, and long-term goals. We developed a customized debt settlement plan tailored to her needs and budget. Donna built a trusting relationship with her enrollment specialist and felt reassured by the consistent care and professionalism she received throughout the process.
The Power of Expert Negotiation
One of the most impactful aspects of Donna’s journey was our negotiation service. Before working with us, she had tried to deal with creditors on her own but faced constant pushback and stress. With United Debt Settlement on her side, Donna had expert negotiators advocating for her, providing regular updates and clear breakdowns of every agreement. For the first time, she felt empowered and no longer alone in the fight.
A New Chapter of Peace and Stability
Thanks to her commitment and our structured program, Donna’s financial situation improved dramatically. Today, she lives with her daughter, surrounded by love and support, and enjoys peace of mind free from constant financial anxiety. She says she finally feels unburdened by the weight of debt—and even considers our team part of her extended family for the crucial support we provided during one of the hardest chapters of her life.
Donna saved 24% on her debt
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!
Brandon saved 23% 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!
Gina saved 35% on her 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!
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!
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!
Jennifer saved 29% on her debt
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Frequently Asked Questions
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.
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
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.