Copyright 2025. United Settlement, LLC
Do You Qualify For Debt Relief?
See if you qualify for debt relief
- Get a Free Savings Estimate
- Get Out Of Debt Without Bankruptcy
- See How Quickly You Can Be Debt Free
- No Upfront Fees and No Obligation
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Debt Estimate
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Personal Information
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Results
Trusted by Our Clients - Thousands of Clients Helped!
4.7 3,369 Reviews
How Does It Work?
Let’s Begin!
Negotiations
Pay Off Settlements
Financial Freedom
Let’s Begin!
Step 1
Reach out for a complimentary consultation
Share your circumstances and discover your debt relief solutions without any commitment.
Step 2
Find a budget-friendly plan tailored for you.
Approve your customized solution from our range of offerings.
Negotiations
Step 3
Fund Accumulation
Once enrolled, you will diligently accumulate funds in your designated savings account.
Step 4
Engage in Negotiations
As your savings grow, we begin negotiations with your creditor(s) using the accumulated funds.
Step 5
Expedite the Process with More Funds
Recognize that having a higher fund balance can expedite the completion of the settlement process. More available funds often lead to more efficient negotiations and faster settlements.
Pay Off Settlements
Step 6
Seek Your Approval
After we have successfully negotiated a settlement offer with your creditor(s), we will seek your approval on the settlement terms. It is important that you fully understand and agree to these terms before proceeding.
Step 7
Withdrawal from Savings
After reviewing the terms, the agreed-upon settlement amount will then be withdrawn from your designated savings account to fulfill the terms of the settlement.
Financial Freedom
Step 8
Settle with All Enrolled Creditors
Focus on reaching settlements with each of the creditors you have enrolled with in our program.
Step 9
Embark on a Robust Financial Future
Once all your enrolled creditors are fully settled and satisfied, you will have officially completed our program. Set yourself on the path to a more secure and robust financial future, having effectively managed and settled your debts.
Frequently Asked Questions
Why choose United Debt Settlement for debt relief?
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.
Are Debt Relief Programs Worth It?
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.
How Does a Debt Relief Program Affect your Credit?
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.
Is United Debt Settlement a Legitimate Company?
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.
What are my debt relief options at United Debt Settlement?
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.
How can United Debt Settlement help my business achieve debt relief?
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.
How can United Debt Settlement rebuild my credit after debt settlement?
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
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
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