Our program works by facilitating negotiations with your creditors to accept a reduced lump-sum payment to resolve your outstanding balance. Instead of paying the full amount you owe, negotiations are conducted on your behalf to lower the total balance. You make one affordable monthly payment into a dedicated account, and as funds accumulate, resolutions are negotiated with each of your creditors.

Program participation can temporarily impact your credit score, primarily because the process involves stopping direct payments to creditors while resolutions 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 resolved and balances reach zero.

We charge absolutely no upfront fees. Our fee structure is performance-based, which means we only get paid after a debt is successfully negotiated and resolved 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.