Is United Debt Settlement the right fit for you?
Debt Settlement
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Last Updated: 10/06/2025
SuperMoney User Recommendation Score +82
Strongly recommended22 total votes
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Highlights
Community Rating
Strongly recommended
Minimum Debt Owed
$10,000
Settlement Fee %
15% - 25%(Verified 02/14/2025)
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Monthly Maintenance Fee
$0(Verified 02/14/2025)
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Number of Reviews
United Debt Settlement Review
United Debt Settlement is a debt settlement company based in New York, NY. It offers debt relief services to borrowers in 38 states (and Washington, DC). United Debt Settlement was founded in 2016. It is an established company that has been in business for 10 years.
Key Takeaways
- Minimum debt balance of $10,000. United Debt Settlement only considers clients who have at least $10,000 in debt. This is a typical requirement for most debt settlement companies.
- IAPDA accredited. United Debt Settlement invests in the training and accreditation of its debt resolution specialists by the International Association of Professional Debt Arbitrators (IAPDA). However, it's not a member of the Association for Consumer Debt Relief (ACDR), the debt settlement industry's major trade association.
- Established company. United Debt Settlement has been in business for 10 years.
- Multiple types of debt. United Debt Settlement settles private student loans, federal student loans, business debt, and all types of unsecured debt, such as credit cards and personal loans.
- Available in most states. United Debt Settlement is available in 38 states, and Washington, DC.
United Debt Settlement Pros & Cons
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United Debt Settlement FAQ
What does United Debt Settlement do?
United Debt Settlement offers debt relief services for the following types of debt:
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
- Business debt.
- Private student loans.
- Federal student loans.
What does United Debt Settlement charge?
United Debt Settlement settlement fees typically range from 15% of the enrolled debt up to 25% of the enrolled debt, depending on state regulations.
Debt relief fees and settlement terms can vary based on your state and individual circumstances, so it’s best to speak directly with United Debt Settlement for an accurate quote.
Does United Debt Settlement offer a guarantee?
No, United Debt Settlement does not have a money back guarantee. Some debt settlement companies advertise a money-back guarantee that typically states you won't be charged until your debt is settled. However, it is illegal for debt settlement companies to charge upfront fees before an account is settled. So these guarantees offer little added value to consumers.What is the minimum debt United Debt Settlement will consider?
United Debt Settlement is recommended for customers with an unsecured debt of $10,000 or more. Customers with less than $10,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.Does United Debt Settlement perform its own servicing in-house?
Yes, United Debt Settlement employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.
What accreditations does United Debt Settlement have?
The two main trade associations in the debt relief services space are the Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).
- United Debt Settlement is not an accredited ACDR member.
- United Debt Settlement is an IAPDA member.
Is United Debt Settlement a legit company?
United Debt Settlement was founded in 2016, it is a well-established company that has been in business for 10 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from United Debt Settlement
Contact
Headquarters
Hours of Operation
Sunday9:00AM - 4:30PMMonday9:00AM - 9:00PMTuesday9:00AM - 9:00PMWednesday9:00AM - 9:00PMThursday9:00AM - 9:00PMFriday9:00AM - 9:00PMSaturday9:00AM - 4:30PM
Other Services by United Debt Settlement LLC
Availability
Available in 38 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Delaware
- District of Columbia
- Florida
- Hawaii
- Idaho
- Indiana
- Iowa
- Kentucky
- Louisiana
- Maryland
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Washington
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +82, or 4.6 on a 5-point rating scale.
+82
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
United Debt Settlement Community Reviews
Would you recommend United Debt Settlement to your friends?
BS
Bryon S.
Mar 29, 2023
Would not Recommend
These people are a bunch of thieves. They take your money for months, do not negotiate any settlement until your creditors file suit and offer you a favorable settlement directly. The money you gave United Debt Settlement, even though none of it went to the debt settlement, is not refunded. Their strategy is to first collect and charge you for their fees which are over $5000 depending on the size ...Show More
RK
Rahman K.
Feb 25, 2022
Would not Recommend
i recently overwhelmed of debt due to a lending Company giving a problem and i contact United Debt Settlement for debt settlement but in must of there negotiation United settlement always on the lending company side, The lady handle my negotiation always says this lending company will not accept our over, i Never known United Debt settlement fighting for there interest not my interest. They start deducting money from ...Show More
OJ
Okunola John W.
Dec 11, 2020
Would Recommend
I remember having few debts which destabilized me. I contacted united settlement, their fee is relatively cheap and they gave me a proper guide that helped me paid off those debts. The agent assigned to me was also calm and knows almost everything on loan and debts repayment.
AN
Angeli N.
May 23, 2020
Would Recommend
I think I’m like a lot of people who just find debt confusing and overwhelming. Someone recommended I reach out to this company after I complained about not knowing what to do to pay off my debt, so I did. They were friendly, fast to answer my questions, and gave me good advice. I think if you are suffering from debt-related problems, then you should reach out to this company. ...Show More
Rowland F.
May 20, 2020
Would Recommend
I never thought I would use the word ‘pleasant’ when talking about my debt, but thanks to United Settlement, I can. My experience with their team was definitely pleasant. They were very friendly and kind and they made me feel like I can actually get rid of my debt for good. Not to mention they provided a detailed explanation of the best path forward for my family. I would say ...Show More
Lemmy C.
May 17, 2020
Would Recommend
My husband and I decided to use United Settlement to finally figure out how we were going to deal with the debt we had. Trying to understand the best way to pay off auto loans, student loans, and medical debt was more than either of us could handle. As soon as the representatives at this company got back to us, I knew we were in good hands. They gave us ...Show More
Armand W.
May 14, 2020
Would Recommend
I was super pleased with the level of professionalism that the people at United Settlement displayed. I’ve worked with multiple debt settlement companies before, but these guys were fast to answer my questions and helped me understand what my options were for paying off my credit cards. I ended up going with consolidation, and it’s worked out very well for me. Thank goodness for this company! I would recommend using ...Show More
Francisco A.
May 11, 2020
Would Recommend
When I called United Settlement a couple of months ago, I was pretty much at the end of my rope. My customer service rep was very kind and answered my questions as best he could. But there were a few questions I had that seemed to stump him. Overall, I got the advice I needed to make a better decision for my debt. I had student loans and hospital bills ...Show More
Conney C.
May 8, 2020
Would Recommend
I didn’t want to go bankrupt, so when credit cards were hassling me, I decided to reach out to United Settlement. They provided quick, efficient, and reliable advice for what my next steps should be. I was pleased with how quickly they responded to my questions, and I had a ton of them. I am super happy with what happened after I started using their services. I am now halfway ...Show More
Zed L.
Dec 3, 2019
Would Recommend
I bought a new car right out of college and ended up fighting both student loan debt and auto debt at the same time. It was a big mistake. Now I am living free from the pain and burden of debt. I was so thankful when I finally received my invoice of $0 for my student loans. I never thought I could be free from student loan debts. No longer. ...Show More
Bailey M.
Nov 30, 2019
Would Recommend
I was in serious debt from my medical bills. I had an operation and one thing led to another and I ended up with about $50K in medical bills. So I reached out to United Settlement to get help for dealing with this debt. I was shocked by their fast response time and even more excited by their ability to lower my debt. I didn’t even know that was a ...Show More
Brody A.
Nov 27, 2019
Would Recommend
I had about enough of being in serious debt. It was overwhelming and ruining my life. I was stuck in a rut and it was even making me depressed. So I decided to make a big change by contacting united settlement and I was pleased with the outcome and glad I did. I now don’t have any more credit card debt after about six months, and I don’t have to ...Show More
Kerry H.
Nov 24, 2019
Would Recommend
Bankruptcy wasn’t in my mind when I contacted United Settlement. But I realized that all options have to be on the table. I was so pleased with the experience I had with these people. They were happy to answer my questions and provided reliable information as well. I did end up going bankrupt but I realized that the results were definitely worth it. I freed myself from a lot of ...Show More
Hillie G.
Nov 21, 2019
Would Recommend
Trying to pay off medical bills seems like an endless uphill battle. I really did not think that I would be able to do it. Each year the medical bills that I had kept climbing. Interest rates skyrocketed and the time it took just to make a small payment increased. I reached out to United Settlement to see if they could help negotiate a lower rate. I was pleased with ...Show More
Stephanus P.
Nov 18, 2019
Would Recommend
Getting lower interest rates is complex. I didn’t even think it could be a thing I could do. It wasn’t so much my credit card, auto loans, and student loan debts that were killing me, it was their interest rates. Every time I thought I was getting ahead I realized I was only paying the interest. So, I decided to do something about it. I found United Settlement and talked ...Show More
Michelle M.
Nov 15, 2019
Would Recommend
When I reached out to United Settlement, I had no clue that settlement was even an option for the debt I had. As it turns out, credit cards would rather be paid anything than for you to go to bankruptcy court. Luckily, United Settlement was more than willing to negotiate on my behalf with the creditors I had. That took a huge amount of stress off my back. I was ...Show More
Jory W.
Nov 12, 2019
Would Recommend
Stop trying to do it all alone. That is what I told myself when I contacted United Settlement and boy am, I glad I did. Sometimes you just have to force yourself to get what needs to be done. I picked up the phone and contacted this company to manage my credit card debts and I am so pleased with my experience with them. They were reliable and honestly answered ...Show More
Lefty D.
Nov 9, 2019
Would Recommend
I chose United Settlement to give me a debt counseling session because I had multiple friends and family members contact me after they used their services. Each one had noted how much pain they were in emotionally before they used this company and how within a few short months they were on their way to being debt free. I have to say; my experience was exactly the same. Now I ...Show More
Cyril P.
Nov 6, 2019
Would Recommend
I knew I needed to file bankruptcy before I even contacted the team at United Settlement. My biggest issue was how to file and also what type of bankruptcy I should file. A lot of people do not know that there are three types of bankruptcy Chapter 7, Chapter 11, and Chapter 13. For me, I really wasn’t quite sure what option to choose, but this team recommended I file ...Show More
Gale F.
Nov 3, 2019
Would Recommend
Finding a good alternative to business debt relief is far from easy. As a company, we have spent years trying to find a good solution to our business’ debt, because if we can get it out of the way we can thrive. That’s what we told United Settlement when we picked up the phone to figure out a debt relief solution. They helped us restructure our business debt and they ...Show More
Showing 20 of 22 reviews
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