United Debt Relief

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United Debt Relief America's Debt Relief Experts. Saving you money and time across all 50 states. Free consultation. No upfront fees. Results vary by client and program.

Debt Settlement, Debt Validation, Consolidation Loans, Tax Resolution, Credit Repair. United Debt Relief is America's Debt Relief Experts, a national debt relief company serving all 50 states since 2008. Our five programs span debt settlement, debt validation, debt consolidation loans, tax resolution, and credit repair, so your debt, tax, and credit problems are handled together rather than referred out. Our specialists assess your situation, explain each option, and enroll you in the one that fits. Program services are performed by our stringently vetted in-network providers and law firms, each BBB Accredited with an A rating. Call (888) 802-2092 for a free, no-obligation consultation.

"The debt has an end date. The 30% reduction doesn't."Our founder Nick Avila told NTD News that couples in their early 6...
10/17/2026

"The debt has an end date. The 30% reduction doesn't."

Our founder Nick Avila told NTD News that couples in their early 60s often think about claiming Social Security early to cover credit card payments. Claiming at 62 turns a $1,000 benefit into $700 for life, while waiting until 70 makes it $1,240. Card debt is a real problem, but it's a temporary one.

Read it via our newsroom: https://uniteddebtrelief.com/newsroom/

Free consultation. Results vary.

Debt validation or debt settlement: which comes first? Validation asks whether a debt is accurate and collectible. Settl...
10/16/2026

Debt validation or debt settlement: which comes first? Validation asks whether a debt is accurate and collectible. Settlement negotiates a payoff on a debt that is owed. Under federal law, a written dispute within 30 days pauses collection of that debt until the collector mails verification (15 U.S.C. 1692g(b)). That is why the usual order is verify first, then settle only a verified debt. Our side-by-side guide covers the law, fees, taxes, and credit reporting. Results vary. https://uniteddebtrelief.com/blog/debt-validation-vs-debt-settlement/

"December isn't an emergency. It shows up on the same date every year."Our founder Nick Avila told MoneyLion that the ho...
10/15/2026

"December isn't an emergency. It shows up on the same date every year."

Our founder Nick Avila told MoneyLion that the holiday extras (shipping, wrapping, travel, hosting groceries, tips) are what follow people into January when they go on a credit card. A holiday sinking fund puts a little aside each payday, so December is already paid for when it arrives.

Read it via our newsroom: https://uniteddebtrelief.com/newsroom/

Free consultation. Results vary.

What does $20,000 in credit card debt actually cost while you decide what to do about it? At the 22.15% average APR on c...
10/13/2026

What does $20,000 in credit card debt actually cost while you decide what to do about it? At the 22.15% average APR on card accounts assessed interest, per the Federal Reserve G.19, it is about $4,430 a year, or about $369 a month, in simple interest. Our new post runs that one balance through a debt consolidation loan and through debt settlement, using only federal rules and arithmetic: the Truth in Lending disclosures, the FTC fee rule, IRS Form 1099-C and the 7-year credit reporting clock. Results vary. Read it here: https://uniteddebtrelief.com/blog/consolidation-loan-or-debt-settlement-20000/

"Outsource the task, never the visibility."Our founder Nick Avila shared his rule with CFO Drive for deciding what a fin...
10/12/2026

"Outsource the task, never the visibility."

Our founder Nick Avila shared his rule with CFO Drive for deciding what a finance team keeps in-house: keep the judgment inside, send out the high-volume work, and give every outsourced job one person who owns it and reads the detailed reports.

It works for a household too. If you can't see the detail, you won't catch a problem until it's expensive.

Read it via our newsroom: https://uniteddebtrelief.com/newsroom/

Free consultation. Results vary.

U.S. Courts reported 608,511 bankruptcy filings in the 12 months ending June 30, 2026, up 12.2% from a year earlier. Ban...
10/12/2026

U.S. Courts reported 608,511 bankruptcy filings in the 12 months ending June 30, 2026, up 12.2% from a year earlier. Bankruptcy can stay on a credit report for up to 10 years under the FCRA. Settled accounts report up to 7 years from the original delinquency. Our guide compares both paths. Results vary. https://uniteddebtrelief.com/blog/debt-settlement-vs-bankruptcy-2026/

Got a call about a debt you do not recognize? You are not alone. Complaints about debts consumers did not recognize rose...
10/10/2026

Got a call about a debt you do not recognize? You are not alone. Complaints about debts consumers did not recognize rose 240% in 2025 versus the prior two-year monthly average, according to the CFPB. A real collector gives its name, address and phone number and must send a written validation notice within 5 days of first contact. Never give bank or card details to a caller you have not verified. Our new guide covers the red flags, what the notice must include, and how to report a fake collector. Results vary. https://uniteddebtrelief.com/blog/how-to-check-if-a-debt-is-legitimate-2026-verification-guide-united-debt-relief/

Most early businesses don't run out of ideas. They run out of cash in one week nobody saw coming.Our founder Nick Avila ...
10/09/2026

Most early businesses don't run out of ideas. They run out of cash in one week nobody saw coming.

Our founder Nick Avila shared his top cash-flow tip with Financial Tech Times: a 13-week cash forecast, updated every Monday. It shows the tight week a month or two ahead, while there's still time to do something about it.

His rule to go with it: don't borrow to fill a hole you can't name. It works for a household budget too.

Read it via our newsroom: https://uniteddebtrelief.com/newsroom/

Free consultation. Results vary.

Address

2907 Shelter Island Drive, Ste 105
San Diego, CA
92106

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18888022092

Website

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