United Debt Settlement

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 39 states (and Washington, DC). United Debt Settlement was founded in 2015. It is an established company that has been in business for 8 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 American Fair Credit Council (AFCC), the debt settlement industry's major trade association.
• Established company. United Debt Settlement has been in business for 8 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 39 states.
• Offers in-house debt relief services. Some debt settlement companies act as intermediaries for larger firms. This company uses its own staff to handle debt settlement accounts.
• Customer service availability. United Debt Settlement LLC allows users to track the progress of their settlement online. It also provides customer support seven days a week. United Debt Settlement is strongly recommended by SuperMoney users for its customer service.

United Debt Settlement Pros & Cons

Pros	Cons
Lower than average fees No monthly consultancy fee Has IAPDA accredited debt specialists on staff	Is not an AFCC member Only considers clients with a minimum debt balance of $10,000

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 charges fees that range from 15% of the enrolled debt up to 24% of the enrolled debt, depending on the amount of enrolled debt provided.

Debt relief service pricing / costs can vary greatly from one client to another so it's best to speak to United Debt Settlement directly to determine 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 will only consider customers with 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 American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA).

• United Debt Settlement is not an accredited AFCC member.
• United Debt Settlement is an IAPDA member.

Is United Debt Settlement LLC a legit company?

United Debt Settlement was founded in 2015. It is an established company with approximately 18 employees that has been in business for 8 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.