Our primary objective is to assist individuals with their debt-related challenges. To achieve this, we offer comprehensive financial advice and education, which frequently leads to a reduction in debt for those facing financial difficulties. Transparency, communication, and the utmost commitment to our clients are the cornerstones of our values. In line with these principles, we have developed a personalized portal for each client, where all progress is securely recorded and accessible. This emphasis on transparency and communication embodies our core values.Furthermore, we prioritize the financial well-being of our clients by not charging any fees for personal debt until it has been successfully settled. We take pride in our team, as every member is licensed by the IAPDA (International Association of Professional Debt Arbitrators), showcasing our unwavering commitment to professionalism and expertise.Maintaining an ethical approach to conducting business, guided by moral principles, is at the heart of our reputation. We believe that by upholding these values and standards, we can establish lasting trust with our clients and the wider community.Thank you for considering us as your partner in overcoming debt and financial challenges. We are dedicated to providing you with the support, guidance, and ethical service you deserve.See If You Qualify
Written by the business, not verified by us.
Is United Settlement legit?
United Settlement (unitedsettlement.com) has a 4.7 out of 5 rating on OK.one, based on 272 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 94% rating it 4 stars or higher; The business has replied to 89% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-30.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the exceptionally friendly, polite, and knowledgeable staff who guide them through the entire debt relief journey with genuine care, patience, and deep understanding. People really appreciate the clear communication, transparent guidance, and consistent updates regarding their monthly account progress and successful settlement achievements.
However, some customers also noted frustrating communication delays, persistent difficulty reaching customer support via phone, and unexpected payment adjustments that created confusion. Reviewers occasionally experienced slow response times from representatives or felt deeply disappointed when dealing with unresolved account issues and unfulfilled management promises.
Auto-generated from all reviews of this business. For reference only.
Clear, reliable communication is so important to us, so we’re thrilled to hear you've had such a satisfying experience! Keeping you informed and confident every step of the way is always our top priority. Thank you for taking the time to share your feedback!
They just saved me close to 50%of my bill Great Job!
Reply from United Settlement2026-07-30
Saving close to 50% is incredible news, congratulations! We know how much of a relief that kind of savings is, and we’re so thrilled our team could deliver such a great result for you. Thank you for taking the time to share your success!
J
Jeff · 3 reviews · Verified · Experienced 2026-07-28 ·
★★★★★
I think having a peace of mind that…
I think having a peace of mind that everything is working for me.
Reply from United Settlement2026-07-30
That peace of mind is truly everything! Taking control of your debt can feel stressful, so knowing you feel supported and confident in how things are working for you means the world to us. Raymond and the rest of our team are always here to keep things running smoothly for you!
K
Kayla Garza · 1 review · Experienced 2026-07-29 ·
★★★★★
thank you too raymond for being so…
thank you too raymond for being so informative about the program he went over everything perfectly!!! thank you so much for helping me with my debt!
Reply from United Settlement2026-07-30
Thank you so much for the fantastic feedback! We are thrilled to hear that Raymond provided such thorough and helpful guidance on your program. Navigating debt can feel overwhelming, but we’re so glad Raymond made the process clear and straightforward for you. We're excited to support you on your journey toward financial freedom!
J
Joy Norris Howard · 1 review · Experienced 2026-07-29 ·
★★★★★
Ray was very helpful.
Ray was very helpful and his description of
Reply from United Settlement2026-07-30
Thank you for the review! We're so glad to hear that Ray was helpful and took the time to explain everything clearly. Providing thorough, easy-to-understand guidance is what we strive for. Please don't hesitate to reach out if you have any more questions as you move forward!
Good experience but would like to be able to speak with someone.
I would of liked to speak to a person when sending a payment.
Reply from United Settlement2026-07-30
Thank you for sharing this feedback! We completely understand that when it comes to sending payments, hearing a friendly, reassuring voice on the line brings extra peace of mind. While we strive to make payments fast and seamless, our team is always here if you prefer to walk through a transaction step-by-step over the phone. Please don't hesitate to give us a call whenever you'd like that human touch!
Representatives explained everything in detail, asked questions and allowed me to ask questions. They answered to my satisfaction. They went over everything in my account to my satisfaction. I highly recommend United Settlement.
Reply from United Settlement2026-07-30
Thank you so much for this wonderful 5-star review! Taking the time to go through every detail of your account line by line, ensuring all your questions are answered to your complete satisfaction, is exactly the standard of care you deserve. We are thrilled that you felt fully supported and confident in the process. Thank you for your trust and for highly recommending United Settlement!
Thank you for bringing this concern to our attention. We take all feedback of this nature very seriously. Our team has made numerous attempts to contact you to discuss your account and provide clarification, but we have not yet been able to connect. Additionally, we conducted a full internal account review and were unable to locate any activity consistent with what is described in your review. At your earliest convenience, please reach out to us directly at 888‑839‑8638 or [email protected] so we may review your account in detail and address any concerns promptly. We are committed to resolving this matter and ensuring full transparency.
The process was easily explained and completed and quality assured. Everything was transparent and I was allowed plenty of time to ask question if I had any.
Reply from United Settlement2026-07-30
Thank you so much for this wonderful feedback! We know how important it is to feel completely confident in your decisions, so hearing that the process was clear, seamless, and quality assured is fantastic news. Giving you all the time and space you need to ask questions with total transparency is always our top priority. Welcome aboard, we are thrilled to partner with you!
You have helped us so much with lowering our bills and getting closer to our goal. You are also very diligent in letting us know what is going on with all our bills and keep us updated on where we are at with what we owe and have made it so much easier for us to navigate our finances
Reply from United Settlement2026-07-30
Thank you so much for these incredibly kind words! Hearing that we’ve helped lower your bills and made managing your finances easier is the greatest reward for our team. Navigating financial goals is a journey, and keeping you informed every step of the way is our top priority. We are so proud of the progress you’re making and honored to be in your corner!
They have been able to get my debt lowered more than half the amount on 2 of my credit cards. The staff is very helpful with any questions that I have. I do recommend them to my family and friends if they need help.
Reply from United Settlement2026-07-30
Thank you so much for this amazing review! Slashing the balance on two of your credit cards by more than half is a huge win, and we couldn't be happier to see those savings working for you. Having a helpful team to answer your questions and guide you through each milestone is what you deserve. Recommending us to your friends and family is the ultimate compliment, thank you for your trust!
S
SHELLY · 2 reviews · Experienced 2026-07-27 ·
★★★★★
My experience with both of them was…Awesome!!!!!
My experience with both of them was excellent and beyond. The customer Service and patience was beyond what I have ever had before. I felt like I was talking to a friend and if there was something I needed explained it was done. I cannot say enough about this wonderful company and Jay and Leslie. I am so looking forward working with them in this near future. I am also looking forward to becoming debt free!!!!!!
Reply from United Settlement2026-07-30
This review truly warms our hearts! Feeling like you're talking to a supportive friend who patient with every question is the exact experience we want for every client. We will definitely make sure Jay and Leslie see your glowing words, they will be so proud! We are just as excited as you are to start this journey together and celebrate the moment you officially become debt-free. Welcome to the family!
Nothing ever is 100% there will always be room for improvements, may not see it right away. You could see the need for an improvement right at the end of a case. I appreciate the thoroughness of my case. The communication is with each step is superb.
E
Elizabeth L Cottriel · 1 review · Verified · Experienced 2026-07-23 ·
★★★★★
Gary ad team are trying quickly to get…
Gary ad team are trying quickly to get settlements.
Reply from United Settlement2026-07-30
We love hearing this! Gary and our team are dedicated to getting results as quickly and efficiently as possible. Thank you for your trust and for taking the time to share your progress!
That’s what we’re here for! Taking care of business and getting real results for our clients is our #1 priority. Thank you so much for the awesome review and for trusting our team!
If u want to be debt free . United Settlement is the key .
From my experience with United settlement. All you need is a lil trust and patience. Plus they are really good, at answering any questions or concerns u might . I couldn't be more pleased 😀.
Reply from United Settlement2026-07-30
Thank you so much for this beautiful review! You hit the nail on the head, a little trust and patience go such a long way, and we are so grateful you chose to place your trust in us. Answering your questions and keeping you comfortable every step of the way is our top priority. We couldn't be happier to work with you!
We're so happy to hear that! Providing a program that gives real, helpful support is always our main goal. Thank you for trusting us to be on this journey with you!
B
Benjamin · 6 reviews · Experienced 2026-07-28 ·
★★★★★
I was struggling to keep up with my…
I was struggling to keep up with my bills and I saw an ad on Facebook for this company and they went above and beyond to help me overcome those bills and handle it for me, thank you Juan and Leslie
Reply from United Settlement2026-07-30
Thank you so much for sharing your story! Reaching out for help when bills start piling up takes a lot of courage, and we are so glad that Facebook ad brought you to us. We will be sure to pass along your special shoutout to Juan and Leslie, they will be absolutely thrilled to hear how much their support helped ease your burden. We’re honored to be in your corner!
Very happy with United SETTLEMENT and the way they try to help and end up doing just that ! And a lot more !
Reply from United Settlement2026-07-30
Thank you so much for this incredible review! Going above and beyond to help you reach your goals is always our mission. We are so happy to hear how pleased you are with United Settlement, and we're honored to keep delivering great results for you!