Sarah Edwards | March 14, 2023
Summary: There are a lot of bad actors in the debt settlement industry. If you need to work with a debt settlement agency to settle your obligations, choosing a legitimate one is essential. United Debt Settlement might be a good option for debt settlement, but using SoloSettle lets you take matters into your own hands.
Debt settlement is a popular option many people exercise when facing financial struggles. While it’s possible to settle debts yourself, working with professionals who know how to manage the process can make things much easier.
However, before signing up to work with a debt settlement company, it’s critical to make sure they aren’t going to steal your money and disappear into thin air. After all, you’re trusting the organization with sensitive information, including your personal data and financial details.
One debt settlement company that’s recently gained traction is United Debt Settlement. In this artcile, we'll examine whether United Debt Settlement is an organization you can trust. We'll also cover how SoloSettle can help you settle debt on your own—once and for all.
United Debt Settlement markets itself as providing financial advice and education to people struggling with money problems. Visitors to the company’s website will find many articles concerning debt settlement, consolidation, and business debt, but they’ll also find a lot of confusing information.
While the company’s goal is purportedly to educate consumers concerning debt and finances, it doesn’t outright claim to offer debt settlement services.
United Debt Settlement only delves into its programs when customers scroll through their FAQs, which claim that customers can expect to save approximately 25% off the total value of their debt when accounting for the organization’s fees.
On its “Proven Results” page, the company provides numerous examples of debt settlements obtained with Capital One, Synchrony Bank, and other creditors. While the uploaded copies show savings, it’s unclear whether United Debt Settlement handled the process or the consumer initiated the settlement action.
The site’s Terms and Conditions page also raises a red flag by clearly stating that submitting your contact information gives United Debt Settlement the right to contact you, even if you’re on a federal Do Not Call list.
Every landing page features a form where consumers can provide their contact details to receive more information about qualifying with United Debt Settlement for a debt relief program.
United Debt Settlement may use its site as a precursor for connecting consumers with other debt management services or relief programs. Users can expect to receive phone calls and other communications they may not want when they sign up for more information.
Here’s an example of how providing a phone number can lead to unwanted calls.
Example: Joan is interested in getting help settling her debts. She comes across the United Debt Settlement website and provides her contact information to start the process. Almost immediately, Joan receives calls daily from United Debt Settlement asking her to sign up for their program. She indicates that she’s on the Do Not Call list, but the company claims she gave her consent to receive calls when she provided her phone number. She asks United Debt Collection to stop calling her, which they agree to.
Watch this video to learn why you must respond to a debt lawsuit.
The United Debt Settlement website currently has 377 reviews, giving it a cumulative ranking of 4.4 out of 5 stars. While the reviews contain some basic identifying information, such as the poster’s names and experiences, there’s no way to tell what year each review was posted — only the month and day are displayed.
A search of Better Business Bureau (BBB) profiles shows that the company has no BBB accreditation, despite being in business for six years. During this time, it’s generated only 40 customer reviews. It also has many complaints, many of which are serious.
According to a BBB complaint in November 2022, one consumer agreed to bi-weekly payments toward settling their debts. There was no written contract, and the consumer agreed to start the program after a pushy agent convinced them that time was of the essence.
After taking multiple payments, United Debt Settlement failed to make any settlements on the consumer’s accounts. They held all the money for fees, despite not having made any progress. The customer filed a complaint with the BBB, and both parties went back and forth several times before United Debt Settlement finally refunded the sum.
In another instance, a consumer filed a complaint stating that despite charging nearly $13,000 in fees, the company hadn’t settled a single account.
Multiple red flags indicate that United Debt Settlement is a company to avoid.
First, some severe claims on the BBB website suggest the organization may not follow FTC guidelines on debt settlement. The business also isn’t accredited with the BBB, which is strange considering it’s been in business since 2016.
We recommend looking for other debt settlement companies with a solid history of helping consumers settle their debts.
Do you need help validating a debt? Use SoloSuit’s Debt Validation template.
You can take matters into your own hands and settle your debts by yourself with the help of SoloSettle.
SoloSettle, powered by SoloSuit, is different from traditional debt settlement companies. Here’s how:
Check out this video to learn more about how to settle your debt on your own—once and for all.
Let’s take a look at an example of settling a debt with SoloSettle.
Example: JoAnne is being sued by Midland Credit Management for $1,500. She uses SoloSuit to respond to the case with a written Answer, buying herself time to work out a debt settlement plan. After taking a close look at her finances, JoAnne decides she can pay off 75% of the debt, or $1,125. She uses SoloSettle to send a settlement offer to Midland Credit Management, starting low at 40%, or $600. This gives her room to grow, and after a few rounds of negotiations, they reach an agreement at 60% of the debt, or $900. JoAnne saves hundreds, and Midland Credit Management dismisses the case.
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
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Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather