About Our Programs

One should always consider the very different aspects of debt settlement when choosing the best route to take. Often individuals will base their opinion on which option is the best just by what they’ve heard or what they’ve had experience with.


Debt Validation

Debt Validation has quickly become one of the leading ways in America to eliminate unsecured debt and the burden of financial stress.

 Debt Validation is a faster way to take care of unsecured debt without spending a fortune on interest and fees.  Instead of wasting 48 to 60 months trying to settle with creditors and/or 3rd party collectors, or paying the minimum payments for the next 15+ years, you can now finally reach financial stability in as little as 12-24 months.

The process of invalidating erroneous debts is an analysis of your credit report and preparation of correspondence to your creditors or 3rd party collection agencies seeking validation of your debts.  Once you are enrolled in a validation program, a series of thorough dispute packages are to be 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.

Debt Validation, refers to a consumer’s right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer’s rights under the United States Federal Fair Debt Collection Practices Act (FDCPA).  Upon disputing this debt, if the creditor cannot provide complete accurate documentation and verify the debt, then they cannot collect on the debt.

Debt Settlement

Debt Settlement is a negotiated agreement by which a creditor accepts less than the total amount owed to legally satisfy a debt.  Settlement programs typically last 24-48 months and are highly dependent on factors such as delinquency, creditor policies, the number of accounts, and the total dollar amount of the debt.

Debt settlement services have existed in some form since the advent of debt itself.  The modern industry has seen significant growth in the 21st century, largely due to the easing of lending requirements by financial institutions. In addition, today’s borrowers are taking on significantly more debt than their parents had at a similar stage in life and are subsequently paying off that debt at a slower rate.

These large debt loads and slower payoffs, coupled with today’s high-interest rates, mean that without intervention many borrowers could be paying off these loans for decades. While there are a multitude of interwoven causes for these trends, industry experts point to increased access to larger amounts of credit coupled with a reduction in the social stigma of being in debt.

Following enrollment you set-aside and save a fixed amount of money each month. The amount you save each month is determined during your initial consultation and is based on the total amount of debt you enroll. As your savings builds, we work with your creditors and collectors to reach agreeable settlements on each of your accounts. Once a creditor settlement has been negotiated you will be contacted to authorize it prior to payment. This process repeats until you are debt free!

Modern. Financing. Fast!

We can match you with the best pre-qualified personal loan offers from leading providers.  Why Apply For a Personal Loan?

United Debt Relief provides access to top lenders that compete against each other to provide you with competitive offers.
Check your rates now and get pre-qualified in a matter of minutes.

One Platform, Many Lending Partners

Instead of filling out multiple applications with your data, use our platform to access top quality lenders in a matter of minutes!

Real Time Pre-qualification

All of our lending partners use the latest technology to return pre-qualified offers in a matter of seconds.

Quick Funding

Our lending partners have the ability to fund in as little as one day. Get the funds you need in a hurry!


Frequently Asked Questions

Please find below answers to our most frequently asked questions.

Does this Affect My Credit Score?

Submitting your information for a pre-qualification does not impact your credit score.

How Much Can I Apply For?

Our lending partners offer loans up to $50,000. They will consider your credit score, income and other factors to determine how much to offer you.

How long does it take to get my loan funded?

Our lending partners are among the fastest in the industry. Your loan can fund in as little as one day.

What does pre-qualification mean?

Pre-qualification means that the lending partner has reviewed the information you submitted, and conditionally approved you for a loan with certain terms. You finish the final loan application directly with one of our lending partners.

Can I borrow to consolidate my debt?

Yes! You may borrow from one of our lending partners to consolidate your payment into one payment. This can result in a lower interest rate and can help your credit score.

Is United Debt Relief a lender?

No, United Debt Relief is simply a site that allows prospective borrowers to apply to be pre-qualified or pre-approved for a loan through our lending partners.

Can I prepay my loan early without penalty?

Typically, our lending partners allow you to prepay your loan without penalty. Please see the product details for each lender for more information.

How long do I have to repay the loan?

Our lending partners currently offer loans ranging from 12 months to 5 years.

What rates are offered by the lending partners?

Rates for our lending partners start at 4.99%. The exact rate will depend on a number of factors including credit score, income and the amount of your current monthly debt payments. To check rates, click on the button below.

Free Debt Relief Quote

(888) 318-6964

Talk To A Debt Relief Specialist