We Are Your Debt Relief Experts

Saving You Money And Time


Speak with our debt relief specialists to see which program is best for your unique situation.

Money Saving Quote

Learn how much money and time you will save.

Program Enrollment

Your debt relief program will provide you immediate savings with an end date in sight.

Everyone has a different situation

That is why we offer a suite of products and services for our clients.

Debt Settlement

Debt Validation

Tax Resolution

Consolidation Loans

Credit Repair

Identity/Credit Insurance


Initial Consultation

During your consultation we will identify exactly where the problem is. Whether it be one issue or several, we have the options in place to save our clients a significant amount of money and time, and increase your credit scores.

Implement Strategy

Once we figure out the exact issue, this is where we go to work. Whether we need to reduce your debts, provide a consolidation loan, and/or boost your credit scores, our specialists have the expertise and network to make this happen for our clients.

Assure Quality

The quality of work we perform for our clients is of the utmost importance. We pride ourselves on highly vetting the best organizations in our network. All in network providers must maintain an active Accreditation with the Better Business Bureau and continually prove amazing client support.

Frequently Asked Questions

How does Debt Settlement work?

Once your file has been accepted by your provider, you will set-aside and save a set amount of money each month.  The amount you save each month is determined during your consultation and is based on the total amount of debt you enroll.  As your savings builds, your creditors and/or collectors are worked with to reach agreeable settlements on each of your accounts.  This process repeats until you are debt free at a reduced amount.

How does Debt Validation work?

The process of invalidating erroneous debts is an analysis of your credit report and preparation of correspondence to your creditors or collection agencies seeking validation of your debts. Once you are enrolled in a validation program, a legal dispute package is sent to each creditor and collection agency demanding that they provide the correct documentation and proof of their right to collect from you pursuant to state and federal law.

If the creditors and collection agencies are unable to provide accurate documentation, which we find is often the case, the debt is classified as invalid and therefore is unable to be collected upon.  Credit line will be removed from the bureaus with a successful dispute.  Any remaining balances that are not removed through the dispute process, will be resolved through a negotiated settlement.

How do Consolidation Loans work?

Through consolidation loans, you can lower your interest rate, lower your monthly payments, and you can streamline your finances.

There are different ways to consolidate debt and consolidation loans typically provide you with a specific amount that pays off all your outstanding debts.  You then have one loan payment to make, at a specified interest rate, which can help you in a variety of ways, including:

  • Lower and consolidate your monthly payment.
  • Lowering your interest.
  • Increasing cash flow.
  • Budgeting your expenses becomes easier.

What are Tax Resolution options?

  • Offers In Compromise (OFC)
  • Installment Agreements (IA)
  • Stair Step Agreement
  • Streamline Installment Agreement
  • Partial Pay Installment Agreement
  • Conditional Expense Installment Agreement
  • Traditional Installment Agreement
  • Currently Not Collectible Status
  • Penalty Abatement

How does Identity/Credit Insurance work?

  • Monthly Credit Report and Scores (Experian/Equifax/TransUnion).
  • $1 Million in Identity Theft Insurance.
  • Enhanced Credit Monitoring.
  • Identity Monitoring.
  • Application Monitoring.
  • Dark Web Monitoring.

How does Credit Repair work?

The goal is to boost your credit scores with Experian, Equifax, and TransUnion.  Your credit reports with all 3 credit bureaus will be analyzed.  Any inaccurate, duplicate, erroneous, or outdated information(statute of limitations) will be removed and/or updated.  The removal of derogatory credit lines and information will have your scores increased. 

Nick Avila was very instrumental in the recovery of misuse of funds by a former business. He was professional and walked me through each step keeping me informed throughout the process. Thank you Nick for your support and dedication during this process.

Leonard Delacoudray

Nick and his associates helped my Dad out last year, his professionalism and ability to answer all of my fathers questions left us impressed. For the average individual having someone to navigate you through this process is critical, he was there every step of the way. I fully endorse and recommend Nick Avila, he's genuinely the best out there, Thank you Nick for your assistance.

Israel Alarid

I am very please with United Debt Relief , I have never been so well attended, very professional, gave me all the options and I finally feel that I´m going to live a normal life with good credit thanks to Nick Avila.

Peter Solis

Very informative & honest business. Educate yourself & call United Debt Relief to help you get out of debt. Take control of your financial life!


Nick Avila was was professional, kind, and courteous. He answered any questions that I had and helped put my mind to ease, regarding being able to get me, and my husband out the unsecured debit that we have. I would definitely recommend him to other people that are needing to do this.

Shawn Crisp

Nick Avila was very professional and knowledgeable about finances and debt relief.

Lana Petteway

I can’t describe how happy I am And Excited to be Debt free in a short period of time thanks to Nick and his team! After all this time we finally made the decision of making a change in our life’s for the better and looking forward to a bright future, even though my credit will be low for couple of years but if it means for a fresh start I’m grateful to have found United Debt Relief.

Stephanie Solid

Thank you so much for helping me reach financial freedom and showing me the right way to do so. Any one who is thinking of getting themselves out of debt, United Debt Relief is best way to go. The company is legit! You'll regret not calling. Start saving money now!

Socorro Rocha

If you want to get out of debt this is the place to go to ! Nick was very helpful ,very quick to the point but also very explanatory! Don't waist your time else where, Untied Debt Relief is it!

Brenda Sanchez
March 1, 2021

Identity/Credit Insurance

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Debt Settlement

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Consolidation Loans

Consolidation and Personal Loans Our loans can help improve your credit & enhance your lifestyle. HOW IT WORKS STEP 1: Understand Rates Available  Our research team works diligently on researching…

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