United Settlement Review

By Kevin Mercadante

In a Nutshell

Built on a solid foundation of transparency, trust, and commitment, United Settlement seeks to help people in debt understand their options, manage their debt, and be freed from it quickly and easily. The company has helped more than 10,000 people out of a difficult financial situation. And United Settlement strives to grow that number by offering unwavering agent support, a long list of debt relief options, and plenty of financial education online.


  • Tons of information online for debt education
  • Several debt relief options
  • Dedicated, knowledgeable debt consultants


  • No 24/7 customer support
  • Options can be overwhelming at first

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Why Go with United Settlement

United Settlement makes debt relief a reality for so many people because of the wide range of services provided. Everything from credit card debt management to business debt solutions, United Settlement covers the spectrum.

Working with United Settlement is a pleasure. The company has talented agents who are dedicated to helping each client find the debt relief solution that works for them. The agents will sit with you, discuss all of your options, and hold your hand each step of the way until you've completed the process. It's a positive experience for people who are weighed down by debt.

If you have a soft spot for organizations with a generous heart, United Settlement fits the bill. The company gives thousands of dollars to worthy charities, including the American Red Cross, the Wounded Warrior Project, So Others May Eat, Save the Children, and The National Alliance on Mental Illness.

What’s Offered

  • Debt settlement
  • Debt consolidation
  • Debt management
  • Bankruptcy filing
  • Credit card debt management
  • Business debt solutions
  • Auto debt management
  • Student loan management
  • Medical bills debt consolidation


There are a lot of debt relief services out there, so why would anyone choose United Settlement over the competitors? Well, there are three things that stood out when we reviewed this service in particular. For one thing, United Settlement offers incredible resources for financial education. If you want to learn how to handle your money responsibly, take care of debt properly, or how to spend, save, and buy efficiently, this is your address. United Settlement provides articles on every topic and all the information you could hope for.

What's more, United Settlement offers plenty of debt relief programs. The company understands that there's no such thing as a one size fits all solution to financial freedom, and it doesn't make any such claims. Instead, a competent agent will discuss your personal situation, get down all the details, and then sit with you. They'll explain all your options and help you select the right one for your situation. Now, that's quality service.

United Settlement also has several online tools and resources available to everyone. You can use the debt calculator to understand the loss versus gains of your debt relief solution, so you have a real understanding of the program before you dive into it.

Finally, we found United Settlement easy to work with, a plus in this industry. When you’re dealing with such complex matters, it is easy to get lost in the industry jargon, legalese, and documents. United Settlement does a great job of keeping things clear, straightforward, and understandable.

  • Loads of online tools and resources
  • Debt calculator
  • Dedicated, knowledgeable staff
  • FAQ section and articles explaining every area of debt and relief options
  • Credit guidance guide

Types of Debt Covered

United Settlement covers every type of debt you can imagine, which is encouraging for anyone who is juggling multiple types of debt. Truthfully, most individuals have a combination of debt types, and the fact that United Settlement handles all of them under a single platform saves clients time, money, and aggravation. Here are a few of the main types of debt covered by this service:

  • Debt settlement

Debt settlement is just what it sounds like. The debtor comes up with a settlement offer wherein they pay a portion of the debt, and the rest is forgiven. United Settlement is particularly good at these negotiations and has helped clients lower their total debt to a fraction of the total balance owed originally. All types of debt are eligible for debt settlement plans, including credit and loans, commercial leases, student loans, utility bills, medical bills, and more.

  • Debt consolidation

United Settlement also offers debt consolidation programs. Instead of forgoing some of the total amount owed, many debtors will agree to a debt consolidation plan. This is where you consolidate all of your debt into a single monthly payment. The benefit of this is two-fold:

  1. You are only paying a single address once a month. That is much more manageable. You’re less likely to forget or miss payments too. So, you won’t add late payment fees to your already growing debt.
  2. A single payment is significantly easier to manage financially than multiple payments every month. With a single payment, you are able to see the light at the end of the dark debt tunnel.
  • Credit card debt

United Settlement handles all types of credit card debt, but what we found really impressive was that this company tackles credit card debt from the bottom up. This means that it educates consumers on how to behave before they get entangled with debt to avoid credit card debt altogether. As they say, an ounce of prevention is worth a pound of cure!

Already stuck in a mess? United Settlement will work with you to create a debt management plan that works for you. Generally, it will help you consolidate all your payments into a single manageable monthly payment.

  • Business solutions

Whether you are drowning in merchant cash advance debt or just need to increase your current business cash flow, United Settlement can help ease the financial chokehold on your company.

United Settlement also offers bankruptcy negotiations, debt management programs, and auto and student loan arrangements.

Site Security

United Settlement values its customers and as such respects their privacy and security. The website has reasonable security measures built-in to protect personal data from theft or loss. United Settlement also has procedural safeguards built into its system to ensure there is never any unauthorized access, disclosure, modification, usage, or copying done of any sort.

Help & Support

United Settlement is steeped in a tradition of customer satisfaction. The whole company is set on providing a quality experience and easing the pressure of debt from its clients. As such, United Settlement provides top of the line customer service. You can reach regular customer service as well as dedicated debt experts.

Both are available Monday through Friday from 8:00 AM to 8:00 PM, and customer service is even available on Saturdays from 9:30 AM till 4:00 PM. Alternatively, you can send an email to one of the dedicated email addresses provided on the website.

Physical Address

241 West 30th Street

3rd Floor

New York, NY 10001

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