Save up to 50% on your debt — no upfront fees, you only pay once we settle.
Drag the slider to your balance, then call to confirm a real plan with a specialist — free, no obligation.
Real human, real numbers, real plan — in one short conversation.
A real estimate of your monthly payment in under 5 minutes — no waiting around for a callback that may not come.
You ask the questions, you decide. No bots, no high-pressure pitch, no obligation to enroll.
We don’t sell or share your number. If debt relief isn’t the right fit, the call ends there — no list-trading, no surprise texts.
Real reviews from clients who picked up the phone first.
"Cut my $42K credit card debt almost in half. The first call was more helpful than a year of trying to figure it out alone." — Maria L.View Reviews →
"Walked me through the math on the first call. No pressure, no fine print. Best decision I made this year." — Jonathan R.View Reviews →
"I was drowning. Six months later I'm seeing daylight. They treated me like a person, not a lead." — Tina M.View Reviews →
Share your circumstances and discover your debt-relief options without any commitment.
Start Here →Approve your customized solution from our range of offerings.
Once enrolled, you'll diligently accumulate funds in your designated savings account.
As your savings grow, we begin negotiations with your creditor(s) using the accumulated funds.
A higher fund balance can expedite settlement. More available funds often lead to faster, more efficient negotiations.
After we successfully negotiate a settlement offer, we seek your approval. You fully understand and agree to the terms before proceeding.
After you review the terms, the agreed settlement amount is withdrawn from your savings account to fulfill the settlement.
Focus on reaching settlements with each enrolled creditor.
Once all enrolled creditors are settled, you've completed our program. Set yourself on the path to a more secure financial future.
Still unsure? Pick up the phone — we’ll walk through anything else, no commitment.
Yes — 100%. You can speak with a debt-relief specialist for as long as you need, with no fee, no obligation, and no commitment to enroll. Federal law (the FTC's Telemarketing Sales Rule) prohibits debt-settlement firms from charging upfront fees, period.
The free consultation is informational only — we don't pull your credit. A specialist will explain in detail how an actual settlement program could affect your credit over time before you decide whether it's right for you.
Average reduction across enrolled clients is 45% of the enrolled debt before fees. Your number depends on who you owe, how much, and how far behind you are — the only way to get a real estimate is a 5-minute call.
No. We don't lend money. United Settlement negotiates with your creditors to reduce the total balance, then you pay one lower monthly amount toward the new agreed amount.
That's actually the most common situation our clients are in. Being behind sometimes helps the negotiation — creditors are often more willing to settle once accounts are 90+ days delinquent.
No. Federal law prohibits debt-settlement firms from charging fees before a debt is settled. You only pay once a settlement has been reached and a payment has been made on your behalf.
One short call. Real numbers. No pressure to enroll. The hardest part is dialing.
Can't talk right now? Schedule a callback instead →
_fbp) to measure ad performance — this counts as “sharing” under CPRA. If you call us, the only thing we collect is the information you choose to share on the call.
Drop your details — a specialist will call you at the time you pick. No fees, no obligation.
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Save the number so you know who’s calling: (516) 231-9239