United Settlement
United Settlement (United Debt Settlement, LLC) is a New York-based, privately held debt relief firm that negotiates settlements on unsecured consumer debts, serving individuals struggling with credit card, medical, and personal loan obligations nationwide under a performance-based fee model.
- Company typePrivate
- Founded2016
- HeadquartersNew York, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What United Settlement does
United Settlement, operating legally as United Debt Settlement, LLC, is a New York-based, privately held debt relief services firm that negotiates with creditors on behalf of consumers to reduce balances on unsecured debts such as credit cards, medical bills, personal loans, and similar obligations. Founded in 2016, the company offers a comprehensive product portfolio across debt categories (credit card, debt consolidation, debt management, medical, bankruptcy, student, tax, auto, home, and business debt relief) plus an online suite of financial debt calculators.
The company's technical footprint is centered on a client-facing portal (portal.unitedsettlement.com) and an online intake/application platform on unitedsettlement.com that supports sales-led acquisition through web forms, phone consultations with licensed debt specialists, and state-specific landing pages tailored to local debt settlement regulations. Differentiation rests on a certified debt specialist consultation model, state-aware program matching, and a performance-based fee structure where the company is paid only upon successful settlement, supported by NMLS licensure (ID 1947026) and California DFPI registration.
United Settlement generates revenue through a contingent, transaction-fee model tied to successfully negotiated settlements, with client programs typically spanning 24-48 months and delivering roughly 20% net savings after fees on enrolled unsecured debt. GTM is sales-led via direct website applications (888-574-5454), inside sales consultations, and an SEO/content marketing engine built on state-specific pages. Customer acquisition is complemented by a referral partnership with LendingTree. The primary customer segment is individuals carrying unsecured consumer debt, supplemented by a smaller small-business debt relief offering, with a current active client base described as exceeding 20,000 consumers.
United Settlement firmographics
Firmographics- Name
- United Settlement
- Legal name
- United Debt Settlement, LLC
- Website
- https://unitedsettlement.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- United Settlement (United Debt Settlement, LLC) is a New York-based, privately held debt relief firm that negotiates settlements on unsecured consumer debts, serving individuals struggling with credit card, medical, and personal loan obligations nationwide under a performance-based fee model.
- Ownership category
- akta.pro rank
United Settlement industry classification
Industry- Product category
- Debt Relief Services
- NAICS
- Collection Agencies (56144), Legal Services (5411)
- SIC
- Services-Legal Services (8111)
- akta.pro primary industry
- Debt Settlement & Negotiation Services (FSAEAFAC)
- akta.pro secondary industry
- Debt Settlement / Negotiation Programs (Non-loan) (FSAKAIAK)
Keywords
Where United Settlement is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
United Settlement business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Debt Settlement Services: Performance-based fee model where United Settlement charges clients only when debt settlements are successfully negotiated and clients achieve savings. The company assesses client budgets to determine affordable solutions with flexible deposit schedules.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Outcome Based/ Performance | Pay-as-you-go | Performance-based debt settlement with no upfront fees |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
United Settlement product offering
Product offeringCore offering
United Settlement negotiates with creditors on behalf of individual consumers and small business owners to reduce total unsecured debt balances through debt settlement, consolidation, management, and bankruptcy-related programs. The company operates on a performance-based fee model, charging clients only when settlements are successfully negotiated, and tailors programs to state-specific regulations and client financial situations.
Product overview
United Settlement is a debt relief services company offering a comprehensive suite of financial solutions through its core platform. The main offerings include Debt Settlement (negotiating reduced payoffs with creditors), Credit Card Debt Services, Debt Consolidation, and Debt Management programs. The company also provides specialized services for Medical Debt, Bankruptcy (Chapter 7, 11, 13), Student Debt, Tax Debt, Auto Debt, and Home Debt. Business clients can access dedicated Business Debt Relief services. Supporting these core offerings are Financial Debt Calculators as a tool resource. The company operates with a performance-based fee model, only collecting payment when results are delivered. Program timelines typically range from 24-48 months with clients reporting average savings of 25-50% on enrolled debts.
Differentiator
Problem solved
Functional benefit
Products and services
- Debt Settlement
Quantifiable outcome
- Clients typically save around 50% on total enrolled debt before fees and approximately 25% after fees
- +2 more outcomes
Companies that use United Settlement
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
United Settlement technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
United Settlement partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- LendingTreeminorPartnership with LendingTree to help clients explore additional financial products and loan options. United Settlement refers clients to LendingTree for potential debt consolidation loans or other financial services, while potentially receiving referrals for debt settlement services.
Scale indicators7 records
Recent moves5 records
Expansion highlights5 records
United Settlement competitors and assessment
Company assessmentBroad incumbents
- SoFi: Large consumer fintech offering debt consolidation loans, student loan refinancing, and personal loans—addressing the same consumer debt pain points with a fundamentally different (loan-based) solution that competes for high-credit-quality consolidation prospects.
Direct peers
- National Debt Relief: One of the largest US debt settlement companies, offering directly comparable consumer debt negotiation services with a performance-based fee model and licensed specialists. Closest comparable in scale and product mix.
- CuraDebt: National debt settlement provider offering comparable consumer and small business debt relief services, including tax debt resolution. Similar fee model and target customer base.
- Freedom Debt Relief: Largest US debt settlement company by client volume, providing nearly identical services (consumer debt negotiation, performance-based fees, multi-state operations). Direct head-to-head competitor in the same customer acquisition channels.
- Pacific Debt Relief: Direct competitor in consumer debt settlement, operating across most US states with a comparable performance-based fee model and licensed specialist-driven sales motion.
- Beyond Finance: Digital-first debt settlement company competing directly in the same online acquisition channels with comparable performance-based pricing and product offerings.
- Accredited Debt Relief: Direct competitor offering consumer debt settlement, debt consolidation, and credit counseling with a similar performance-based fee structure and multi-state licensing footprint.
- JG Wentworth: Long-standing debt resolution company offering consumer debt settlement alongside structured settlement payments, competing in the same customer segment with similar regulatory licensing requirements.
Emerging players
- Money Management International: Non-profit credit counseling agency providing debt management plans, financial counseling, and bankruptcy counseling—overlapping with United Settlement's debt management and counseling services for budget-conscious consumers.
- GreenPath Financial Wellness: Non-profit credit counseling and debt management organization that competes with United Settlement's debt management and consolidation offerings through a HUD-approved counseling model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
United Settlement social profiles
Digital presenceUnited Settlement financial estimates
Financial estimateRevenue estimate
Valuation estimate
United Settlement leadership team
Management profileNumber of profiles
Profiles1 record
United Settlement funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
United Settlement M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about United Settlement
What does United Settlement do?
United Settlement negotiates with creditors on behalf of individual consumers and small business owners to reduce total unsecured debt balances through debt settlement, consolidation, management, and bankruptcy-related programs. The company operates on a performance-based fee model, charging clients only when settlements are successfully negotiated, and tailors programs to state-specific regulations and client financial situations.
Is United Settlement a public or private company?
United Settlement is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was United Settlement founded?
United Settlement was founded in 2016. It employs 251 to 500 people.
Where is United Settlement based?
United Settlement is headquartered in New York, United States, in the North America region.
How does United Settlement make money?
One revenue line is on record: debt Settlement Services.
Who are United Settlement's main competitors?
SoFi is listed as a broad incumbent. Direct peers are National Debt Relief, CuraDebt, Freedom Debt Relief, Pacific Debt Relief, Beyond Finance, Accredited Debt Relief and JG Wentworth. Emerging players are Money Management International and GreenPath Financial Wellness.
Does United Settlement have an API?
No public API is recorded for United Settlement.
What industry is United Settlement in?
United Settlement's product category is Debt Relief Services. Its primary akta.pro industry code is FSAEAFAC, Debt Settlement & Negotiation Services, with a secondary code of FSAKAIAK, Debt Settlement / Negotiation Programs (Non-loan). Its NAICS code is 56144 and its SIC code is 8111.