Don’t do it! We used this company in good faith to try to help us. We were constantly having to call them, never could get in touch with the person that was supposed to be helping us. Then when we were finally what we thought were finished with everything, over a year later we still had companies coming to us for monies. Everything that companies wrote off had to be claimed on income taxes leaving us in almost as much debt with the IRS.

The UDS counselors failed to inform me… The UDS counselors failed to inform me that even though the debts re renegotiated, the negative debt information stays on one’s credit report. Additionally, they are poorly equipped to help a costumer figure out what to do about it and would not help get the information removed from one’s credit report. Would not recommend this service to anyone.

I had a similar experience to others in… I had a similar experience to others in receiving a PINK letter and copy implying they are a debt collector and warning in highlighted letters about "failure to call." They list a plethora of credit cards at the top of the page hoping to cover all possibilities (I have never had most of those cards). My guess is that they send this out in hopes of intimidating the recipient, and subsequently extorting payments from them regardless if there is a valid debt. If you receive one of these letters, you should complain about it to the consumerfinance.gov.

Poor customer service I started the process some 3 months ago but I have not been given any feedback on progress made so far.I have sent out emails but with no response. They collected upfront instalments for ,2 month and I don't know where the money is sitting right now because I can't log into my account.An update would help and just keeping clients in the loop until the final process is completed.

Am feeling so much better now that all… Am feeling so much better now that all my credit card debt is paid off and I no longer have to be concerned about monthly payments. The service I received was more than outstanding - it was awesome. The service agents I worked with were so knowledgeable and personable they made the process almost enjoyable. I would recommend this service to all.