Headquartered in New York City, United Debt Settlement is a well-known debt settlement firm that has been offering debt relief solutions in 39 U.S. states and the District of Columbia for 8 years since inception in 2015. The company’s experienced staff and customer focus have enabled it to develop a solid reputation in the sector. United Debt Settlement provides an extensive variety of debt relief options, enabling consumers to settle their debts and take charge of their finances once more. With a commitment to customer satisfaction and expertise, United Settlement is a dependable partner for anyone dealing with debt.

United Debt Settlement Summary
- This firm offers debt help services directly, in contrast to other businesses that act as intermediaries for larger corporations. They manage debt negotiation accounts with their own personnel.
- Available in 39 states throughout the United States.
- United Debt Settlement has the ability to negotiate and resolve a wide range of liabilities, such as private and government-issued student loans, commercial obligations, business debt relief, as well as unsecured debts like credit card debt and personal loans.
- United Debt has been in business for 8 years and is well-established.
How does United Debt Settlement Work?
When considering United Debt Settlement as an option for debt relief, it’s important to note that this company requires clients to have at least $10,000 in debt. This is a standard rule for many debt settlement companies as they want to ensure that the services they provide are worth the time and effort. It may be discouraging to have this amount of debt, but debt settlement can be beneficial for those who are struggling to manage their financial obligations and want to move toward a debt free life.
United Debt Settlement has a strong commitment to educating and certifying its debt resolution specialists, and as such, it invests in their training through the International Association of Professional Debt Arbitrators (IAPDA). The IAPDA is a respected organization that offers training and certification for professionals in the debt resolution sector. While United Settlement is not a member of the American Fair Credit Council (AFCC) – the main trade association in the debt settlement industry – its IAPDA certification signifies its dedication to providing high-quality debt resolution services to customers.
Pros & Cons

Pros
- Fees below the industry average.
- No monthly fees.
- The debt specialists are accredited by the IAPDA.
Cons
- Not accredited by the American Fair Credit Council (AFCC).
- Minimum debt of $10,000.
United Debt Settlement FAQ

What services does United Debt Settlement provide?
United Debt Settlement offers debt management plans that help with reducing debt in the following areas:
- Medical debt.
- Business debt.
- Federal and Private Student loans.
- Secured debt, meaning that is not backed by collateral, such as credit card debt or personal loans.
How much does United Debt Settlement cost?
United Debt Settlement charges fees that are a percentage of the enrolled debt, ranging from 15% up to 24%, which will be paid in a monthly payment for a determined time frame.
Clients should contact United Settlement for a precise cost estimate as the fees for a debt relief program can vary substantially.
Do they have a money-back guarantee?
United Debt Settlement does not offer a money-back guarantee. Other businesses that provide debt-relief services may advertise a refund policy that promises no payment until the debt has been settled, but this is illegal. Because of this, these guarantees do not bring much value to customers.
What is the minimum debt required?
In order to be eligible for United Debt Settlement, customers must possess an unsecured debt of at least $10,000. If their unsecured debt is below that amount, debt consolidation loan or credit counseling services may be viable.
Is United Debt Settlement an accredited business?
The two foremost organizations in the debt relief services sector are the American Fair Credit Council and the International Association of Professional Debt Arbitrators.
Is United Debt Settlement legit?

United Debt Settlement LLC is a debt settlement company that works to decrease debt for people and households through negotiating with creditors. They claim to have a high success rate with individualized customer service from experienced negotiators. Some customers have reported successful results and financial comfort through their partnership with United Debt Settlement, though some have issues with their fees and how the negotiation process is managed. It is important to do extensive research on United Settlement and compare their services to other debt settlement services before committing.