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We Are Your Debt Relief Experts

Saving You Money And Time — Nationwide

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Speak with our debt relief specialists to see which program is best for your unique situation. We serve clients in all 50 states.

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Everyone Has a Different Situation

That is why we offer five specialized programs for Americans nationwide.

Whether you are overwhelmed by credit card debt, dealing with IRS back taxes, fighting questionable collection accounts, juggling high-interest payments, or working to rebuild your credit — United Debt Relief has a program designed specifically for you. 

Our specialists serve clients across all 50 states and will match you with the right solution from our five core programs: Debt Settlement, Debt Validation, Debt Consolidation Loans, Tax Resolution, and Credit Repair & Builder. Every program is backed by our BBB-accredited network of providers and starts with a free, no-obligation consultation.

Debt Settlement

Debt Settlement

Overwhelmed by debt you cannot repay? Debt Settlement programs negotiate directly with your creditors to reduce the total amount you owe — often by 40–50% before fees. You set aside funds in a dedicated account while our network of certified negotiators and attorneys work creditor by creditor until you are debt-free. Most clients resolve their enrolled debts in 12–48 months. Minimum $10,000 in unsecured debt required.

Debt Validation

Did you know collectors are legally required to prove the debts they pursue are valid? Debt Validation programs leverage the Fair Debt Collection Practices Act (FDCPA) to challenge the legitimacy of collection accounts. If a collector cannot produce required documentation, the debt may be removed entirely via a trade line deletion — a powerful, legal strategy for accounts that are inaccurate, outdated, or unverifiable.

Debt Consolidation Loans

Juggling multiple high-interest payments? A Debt Consolidation Loan combines your debts into one single, fixed-rate monthly payment. Nationwide lending networks operate across a wide range of credit profiles to find loan options that reduce your interest rate and total payment burden — giving you a clear repayment plan with a defined payoff date.

Tax Resolution

Dealing with IRS notices, tax liens, wage garnishments, or back taxes you cannot afford? Tax Resolution programs connect you with licensed CPAs, IRS Enrolled Agents, and Tax Attorneys who negotiate directly with the IRS on your behalf. From Installment Agreements to Offers in Compromise.

Credit Repair & Builder

Your credit score affects loans, interest rates, where you live, and even where you work. Credit Repair programs identify and dispute inaccurate, unverifiable, or outdated negative items across all three major credit bureaus. Working under the Fair Credit Reporting Act (FCRA), specialists send targeted disputes to Equifax, Experian, and TransUnion nationwide. While your repairs are in process, you simultaneously rebuild your credit via a Credit Building Trade Line.

Debt Settlement

Overwhelmed by debt you cannot repay? Debt Settlement programs negotiate directly with your creditors to reduce the total amount you owe — often by 40–50% before fees. You set aside funds in a dedicated account while our network of certified negotiators and attorneys work creditor by creditor until you are debt-free. Most clients resolve their enrolled debts in 12–48 months. Minimum $10,000 in unsecured debt required.

Debt Validation

Did you know collectors are legally required to prove the debts they pursue are valid? Debt Validation programs leverage the Fair Debt Collection Practices Act (FDCPA) to challenge the legitimacy of collection accounts. If a collector cannot produce required documentation, the debt may be removed entirely via a trade line deletion — a powerful, legal strategy for accounts that are inaccurate, outdated, or unverifiable.

Debt Consolidation Loans

Juggling multiple high-interest payments? A Debt Consolidation Loan combines your debts into one single, fixed-rate monthly payment. Nationwide lending networks operate across a wide range of credit profiles to find loan options that reduce your interest rate and total payment burden — giving you a clear repayment plan with a defined payoff date.

Tax Resolution

Dealing with IRS notices, tax liens, wage garnishments, or back taxes you cannot afford? Tax Resolution programs connect you with licensed CPAs, IRS Enrolled Agents, and Tax Attorneys who negotiate directly with the IRS on your behalf. From Installment Agreements to Offers in Compromise.

Credit Repair & Builder

Your credit score affects loans, interest rates, where you live, and even where you work. Credit Repair programs identify and dispute inaccurate, unverifiable, or outdated negative items across all three major credit bureaus. Working under the Fair Credit Reporting Act (FCRA), specialists send targeted disputes to Equifax, Experian, and TransUnion nationwide. While your repairs are in process, you simultaneously rebuild your credit via a Credit Building Trade Line.

How It Works — 3-Step Process

1

Consultation

During your consultation we 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.

2

Implement Strategy

Once we identify the exact issue, our specialists go to work. Whether we need to reduce your debts, provide a debt consolidation loan, and/or boost your credit scores, our team has the expertise and nationwide network to make it happen.

3

Assure Quality

The quality of work we perform is of the utmost importance. We pride ourselves on highly vetting every organization in our network. All in-network providers must maintain active BBB Accreditation and continually demonstrate outstanding client support.

Client Testimonials

James M.
United Debt Relief changed my life. I was drowning in over $35,000 in credit card debt and had no idea how I'd ever get out. They walked me through every step and settled my accounts for far less than I owed.
Sandra R
Phoenix, AZ
I had IRS issues I had been ignoring for years. The tax resolution team got on the phone with the IRS on my behalf and settled things I did not even know were possible. Highly recommend.
Tanya K
Las Vegas, NV
My credit score went up over 100 points in less than a year. The credit repair team was professional, responsive, and explained what they were doing every step of the way.

Frequently Asked Questions

United Debt Relief is a national debt relief broker and referral service serving clients in all 50 states. We connect consumers with a vetted network of certified debt negotiators, attorneys, licensed tax professionals, and credit specialists who provide five core programs: Debt Settlement, Debt Validation, Debt Consolidation Loans, Tax Resolution, and Credit Repair & Builder. We evaluate your complete financial situation — debt, taxes, and credit — and match you with the right program or combination of programs. Every consultation is free, and no fees are ever charged until after results are delivered on your behalf.
The right program depends on the nature of your debt, your current financial hardship, and your goals. Debt Settlement is best for those with significant unsecured debt who cannot realistically repay the full amount. Debt Validation is best when collectors cannot prove the debt is valid or legally collectible. Debt Consolidation Loans work best for those who can repay in full but want to simplify payments and reduce interest. Tax Resolution is for anyone with IRS back taxes, liens, garnishments, or unfiled returns. Credit Repair & Builder addresses inaccurate items on your credit report while building positive history. Many clients benefit from more than one program. Our free consultation assesses your complete situation and builds a strategy using the right programs in the right order.
Yes. All of United Debt Relief’s in-network providers are A-rated BBB-accredited organizations with a Google 5-Star rating from real clients across the country. We operate as a broker and referral service, connecting consumers exclusively with vetted in-network providers — certified debt negotiators, licensed attorneys, IRS Enrolled Agents, CPAs, and credit specialists. We are reachable by phone at 1 (888) 802-2092. Every provider in our network is independently verified and maintains active BBB Accreditation and a demonstrated record of outstanding client outcomes.
No. United Debt Relief never charges upfront fees of any kind. For debt settlement, fees are charged only after each individual account is settled. For tax resolution, fees are fully disclosed following your free consultation with no hidden costs. For credit repair, pricing is based on your specific situation and disclosed before any work begins. Your initial consultation is always completely free with no obligation to enroll in any program.
It depends on the program. Debt Settlement typically impacts your credit score during the program as enrolled accounts become delinquent — however, many clients follow their settlement with a Credit Repair & Builder program and see meaningful score recovery within 12 to 24 months of completion. Debt Validation can actually improve your score if unverifiable collection accounts are removed from your credit report. Debt Consolidation Loans often improve credit utilization ratios over time. Tax Resolution does not directly impact credit scores, though IRS liens can affect your credit profile. Credit Repair & Builder is specifically designed to improve your score by removing inaccurate items and building positive payment history. Your free consultation will give you a realistic picture of credit impact for your specific situation.
Timelines vary by program and the complexity of your situation. Debt Settlement and Debt Validation programs typically take 12 to 48 months depending on the total amount enrolled and monthly savings consistency. Debt Validation timelines also depend on the collector’s response — some cases resolve in weeks, others require extended legal review. Debt Consolidation Loans provide a fixed payoff date determined by the loan term, typically 2 to 7 years. Tax Resolution through an IRS Installment Agreement can be arranged in weeks; an Offer in Compromise typically takes 6 months to over a year to process. Credit Repair & Builder produces initial results within 60 to 90 days, with sustained score building over 6 months or more. Your free consultation will provide a realistic timeline based on your specific programs and enrolled amounts.
United Debt Relief’s five programs collectively cover a wide range of debt situations. Debt Settlement handles unsecured debts including credit cards, medical bills, personal loans, and collections. Debt Validation challenges collection accounts — particularly those that are inaccurate, inflated, or unverifiable under the FDCPA. Debt Consolidation Loans consolidate credit cards, personal loans, and medical bills into one fixed payment. Tax Resolution addresses IRS and state tax debt including back taxes, un-filed returns, wage garnishments, bank levies, and tax liens. Credit Repair & Builder addresses errors and inaccurate items across all three major credit bureaus, while simultaneously reporting a new positive tradeline. Not all debts qualify for all programs — secured debts like mortgages and auto loans, federal student loans, and child support are generally outside the scope of all programs. Your free consultation will identify exactly which of your debts qualify and which programs apply.
Getting started is simple and costs nothing. Call us at 1 (888) 802-2092, complete the free consultation form under the Contact Us section, or connect with Cristina in your bottom right hand corner to book your appointment. A debt relief specialist will review your complete financial picture — your debts, your income, your credit situation, and your goals — and recommend the right program or combination of programs for your situation. There is no obligation to enroll and no fee for the consultation. Most clients receive a clear, personalized debt reduction plan within minutes of their first conversation.
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