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 Service 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.
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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.
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Contact
Headquarters
Hours of Operation
Sunday
9:00AM - 4:30PM
Monday
9:00AM - 9:00PM
Tuesday
9:00AM - 9:00PM
Wednesday
9:00AM - 9:00PM
Thursday
9:00AM - 9:00PM
Friday
9:00AM - 9:00PM
Saturday
9:00AM - 4:30PM