Save your money and negotiate your… Save your money and negotiate your credit card settlements yourself. I started this program with $37,000 in debt. They promised that I would settle for 40-50% of my debt. By the time I paid all the fees to United Debt Counselors and then settled all my credit cards, it ended up costing me $34,000. These companies would have easily negotiated directly with me for a measly $3,000 savings and I could have saved my credit by doing it sooner instead of being forced to allow my cards to go into default after beginning the program. This was a rip off and I would not recommend it to anyone.

So disappointed and unprofessional… So disappointed and unprofessional company After few years working on my settlement they could not solve it and they increased my payment amount. They blocked all my payment I payed this years and still I have to answer to my credit companies phone call about late payment. Even when I asked to cancel my settle they want to charge me about $1000 for nothing they did.

UDC- a big mistake UDC assured me I would save $$ . In reality I was harassed for 8 months by creditors. UDC did not have “relationships” with most of these .companies. Most of the CC companies refused to even negotiate with UDC. The money I managed to avoid paying the CC companies instead went to UDC as their “handling fee”. As a result of me dealing with UDC my credit is completely shot for the next couple of years. I could have delt with these CC companies myself and reached a settlement quicker under more favorable terms.

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.

I have a debt still showing on my… I have a debt still showing on my credit report that was paid through this program several years ago. I received the letter from the debt lawyer and am trying to figure out who to send it to to have the delinquency removed from my credit. It is having major effects on my credit.