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 am very unhappy I am very unhappy. UDC only accomplished what I could have done on my own; settled with the creditor. I was promised credit report correction for my $2300. The creditor has chosen to keep the charge off as part of the record until it would fall off anyway. I was promised by UDC copies of letters from the creditor promising correction and they were never sent. UDC is a scam.

When we signed up we were 25,000 in… When we signed up we were 25,000 in debt. A relocation and job change create very difficult financial burden on our family. We were able to combine in the program 4 creditors. They were out legal spokesmen for the settling the debt. In just 4 years we are now debt free and our credit score has rebounded to excellent. Highly recommended.

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.