Reduce Your Debt by 20–50% Without Taking Another Loan

Our legal team negotiates with your creditors so you pay less and move forward faster. Take back control of your finances today.

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Calculate Your Savings

Find out how much you could save today.

How much do you owe?

Payoff Period

Est. Monthly $0

New Payoff $0

Total Savings $0

*Disclaimer: Calculator figures are estimates for illustrative purposes only. Actual savings and payment terms may vary and do not guarantee or promise specific results.

What type of debt?

Credit Cards

Personal Loans

Medical Bills

Other

Full Name

Email Address

Phone Number

Your information is 100% secure & confidential.

The Problem

Why Your Debt Isn't Going Down

You’re making payments every month. But your balance barely moves. Interest keeps stacking. Late fees hit when things get tight. Minimum payments go up, not down.

This is how unsecured debt traps you. Credit cards and high-interest balances are designed to stretch repayment over years.

There is a different way to handle this. One that focuses on reducing what you owe, not just managing payments.

The Solution

Negotiation, Not More Borrowing

Direct Negotiation

A legal team steps in to negotiate directly with your creditors to reduce outstanding balances.

One Structured Plan

Instead of juggling multiple accounts, you move into one clear program with a defined timeline.

Dedicated Contact

You get a single point of contact. No chasing creditors. No guessing what to do next.

Start your journey to freedom

Industry Standards & Compliance

A Debt Relief Company You Can Verify & Trust

We strictly adhere to FTC regulations and federal laws to ensure our clients receive ethical, legal, and reliable debt relief services.

A+

BBB Accredited

Highest standard of business integrity and customer satisfaction.

IAPDA Certified

Our specialists are certified by the International Arbitrators.

FTC Compliant

Strictly no upfront fees. You only pay after we settle your debts.

Secure & Private

256-bit bank-grade encryption protects your confidential data.

Client Success Stories

Real Results From Real Clients

4.9 / 5 Rating (1,850+ Verified Reviews)

See how United Fund helped regular individuals and families break free from the burden of unsecured debt.

"The harassing creditor phone calls stopped almost immediately after I enrolled. United Fund was able to negotiate and settle my credit cards far sooner than I expected."

Sarah M.

Michigan

Saved 40% on Principal ($14,000 settled)

"I was skeptical about any program, but the 'No Upfront Fees' guarantee gave me peace of mind. They settled my first credit card in just 4 months of program enrollment."

David K.

Ohio

Saved $28,600 overall ($52k settled)

"Highly recommend. They consolidated my debts into one simple plan. I paid off all my outstanding card debts in less than 3 years. Professional team!"

Elena R.

Florida

Saved 45% on Principal ($18,500 settled)

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Take your first step towards financial freedom

It takes 30 seconds to schedule a consultation. Fill out our simple form and you'll be on your way with one of America's best debt settlement companies.

Get out of debt now

Frequently Asked Questions

Have questions about our debt relief program? Find answers here.

Debt settlement works by negotiating with your creditors to accept a reduced lump-sum payment to resolve your outstanding balance. Instead of paying the full amount you owe, our legal team negotiates on your behalf to lower the total balance. You make one affordable monthly payment into a dedicated account, and as funds accumulate, we negotiate settlements with each of your creditors.

Debt relief can temporarily impact your credit score, primarily because the process involves stopping direct payments to creditors while settlements are being negotiated. However, if you're already behind on payments or struggling to make minimums, your credit may already be affected. Many of our clients see their credit begin to recover after completing the program — especially once accounts are settled and balances reach zero.

We charge absolutely no upfront fees. Our fee structure is performance-based, which means we only get paid after we successfully negotiate and settle a debt on your behalf. This ensures our interests are fully aligned with yours — if we don't save you money, you don't pay us.

United Fund's program is designed to be completed within 12 to 48 months, depending on the total amount of enrolled debt and your monthly budget. Every situation is different, and during your free consultation, we'll provide a realistic estimate based on your specific circumstances. Our goal is to get you debt free as quickly and affordably as possible.