Start My Answer

United Debt Settlement Reviews

Sarah Edwards | March 14, 2023

We wouldn't be so sure about working with United Debt Settlement...

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.

Settle with SoloSettle

Make an Offer

How United Debt Settlement works

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.

What do the reviews say?

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.

Our assessment of United Debt Settlement

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.

Settle debts on your own with SoloSettle

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:

  • You can settle the debt on your own with SoloSettle.
  • You have legal defense built in with SoloSuit. You can respond to a debt lawsuit and fight off collectors in court while working on the settlement.
  • You don’t have to make any payments until you’ve reached a debt settlement agreement.
  • You can settle a debt of any size with SoloSettle. Many debt settlement companies require you to have a large debt of $15,000 or more to enroll.
  • You stay updated with each step of the settlement process until an offer is accepted by your creditor or collector.

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.

What is SoloSuit?

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.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

We have answers

Join our community of over 40,000 people.

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.

Get Started

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

Not sued yet?

Use our Debt Validation Letter.

Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.

Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.

"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

Get Started