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Q: What about harassing creditor calls?
How we can help stop creditors calling you at home
Debt settlement is the time honored process of settling unsecured credit accounts for a fraction of the original balance, saving the consumer thousands of dollars in debt and interest fees upon completion of program. Let’s not forget, our program is designed for 3 years and the credit card companies designed theirs for 30yrs, which do you prefer? For a step by step tutorial of our process, call us at 877.890.3135.
Q: What exactly is debt settlement
and how does it work?
A brief overview about debt settlement
MORE FREQUENTLY ASKED QUESTIONS
Nobody wants to come home from a long day to get a nasty call, nor do we want to wake up to one and UDRG we will educate you on your rights as a consumer. Your rights are clearly stated in FDCPA (Fair Debt Collection Practices Act), which protects consumers from this type of harassment, allowing you to enjoy your personal time with friends and family while we fight for you. Call today for a complete breakdown of your consumer rights, 877.890.3135.
Q: What debts can be settled?
Not all debts can be settled using debt relief services.
We can settle most unsecured debts. Unsecured debts are accounts that don’t have a form of collateral behind them, such as mortgage or an auto loan. Here is a reference guide to what debts we can settle;

    * Credit card debt
    * Department Store Cards
    * Medical/Hospital Bills in Collections
    * Unsecured Lines of Credit
    * Repossessed Car & Lease Balance
    * Oil/Gas Cards

For a free qualification of your debts, call 877.890.3135
The negative effect of bankruptcy will stay with you for years to come. Before making any decisions, make sure to be educated in all of them AND SPEAK WITH A LICENSED BANKRUTCY ATTORNEY. Here are some of the facts about bankruptcy;

    - Bankruptcy can cost up to $2,500 to file plus additional attorney's fees.
    - Chapter 13 bankruptcy the court decides what you can pay.
    - Bankruptcy may hurt your chances when applying for a job in security or financial services    or have duties involving financial information.
    - Bankruptcy will likely result in higher interest rates on future loans and credit.
    - Bankruptcy carries a negative stigma, mental stress, and other burdens.
    - Chapter 7 bankruptcy is more difficult to qualify for since the change in laws in 2005.
    - Chapter 13 bankruptcy usually requires the payback of all of your debt according to your ability to pay as determined by the bankruptcy court.

Consumers should consult with a bankruptcy attorney to determine whether bankruptcy is a  suitable option. UNITED DEBT IS NOT A BANRUPTCY PROVIDER OR LAW FIRM, AND DOES NOT OFFER SUCH SERVICES. Call today to find out how we can help with alternatives, 877.890.3135
Q: Should I just file bankruptcy?
Can bankruptcy be a better option?
Inability to maintain minimum payments may have a negative effect on credit, which doesn’t typically affect the overall lifestyle of our clients. If you’re struggling with the debt that has already accumilated, why take on more loans? Let face it, in today’s economy folks with decent and good credit scores are finding it difficult to obtain a credit offering and most people seeking an alternative to bankruptcy have already damaged their scores .Once you complete our program, you will be debt free and will have the opportunity to reshape and restructure your life.  Call us at 877.890.3135
Q: What happens to my credit?
A little about debt consolidation and your credit
 
 
 
 
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FAQ Questions
- What about harassing creditor calls?
- What exactly is debt settlement and how it works
- What debts can be settled?
- Should I just file bankruptcy?
- What happens to my credit?
 
We recognize that each individual's situation may vary and is unique, and we take every detail into consideration when planning a personalized debt settlement program that works in conjunction with your budget. The length of time to complete the program also varies with each individual and this will be discussed in full during your initial consultation with a debt specialist from United Debt Resolution Group. The average UDRG client will complete the program in around 36 months*, depending on the individual's financial and personal situation. We are happy to discuss your concerns and questions when you call for your initial free consultation.
Q: How long does the UDRG program take to complete ?
The names may sound similar, but there is a pretty wide margin of difference. Debt settlement may greatly decrease your debt balance*. Your results may vary based on our negotiations and agreements with the many Creditors with which our Debt Negotiation Experts have established relationships. Whereas, debt consolidation programs combine all your outstanding balances into one lump sum, and secure your total debt amount with an asset of great value such as your home. Debt consolidation only buys you more time, drawing out the payback process and offering risky consequences. Debt settlement generally takes around 36 months to complete with much lower monthly payments, because your debt may be greatly reduced*, although your results may vary and no outcome is guaranteed.

Q: How does debt settlement differ from debt consolidation?
The decision of settling some or all of your debts is totally up to you. Our Debt Specialists will help you decide what strategies are best for you during the free consultation. We normally recommend settling all unsecured debt to help you get on the path to financial freedom a lot faster.
Q: Do I have to combine all my debts, or can I pick certain debts to settle?
Bankruptcy may seem quick and simple, however many people file for bankruptcy each year failing to realize they are forced to deal with the harsh effects that will plague them for the rest of their lives. One must first be aware that bankruptcy does not go away after 7-10 years, as some bankruptcy attorneys may claim. The reality is nearly all credit applications ask if you have EVER filed bankruptcy, and to answer falsely is considered a federal offense. Also, costly court and lawyer fees also accompany the process of filing for bankruptcy. Now, with changes to Bankruptcy laws and legislation, many consumers will not be able to eliminate their debt simply by filing for Chapter 7.

Consumers may now be required to file Chapter 13, which requires you to pay back a portion of your debt under the supervision of the court. This process may last for years. Bankruptcy should be considered one of the LAST remaining options in solving financial problems but you should always consult with an attorney regarding such matters.
Q: What's so bad about filing bankruptcy?
We build relationships with our clients based on trust, confidence, and support. We know the difficulties, stress, and great anxieties that financial problems can cause. Our dedicated team of knowledgeable Debt Specialists have experience dealing with personal debt and will provide you with facts that will help you make informed and educated decisions. With the hands-on combined and collective experience in reducing debt and getting debt relief for our customers, our team of experienced debt specialists truly want to help you live a better life, debt free*.
Q:  What kind of team do I have working for me at United Debt Resolution Group to settle my debt?
Financial institutions are generally required to provide a Form 1099-C in the event that a forgiven debt amount exceeds $600.00. Please understand that if you receive a Form 1099-C showing income in the form of canceled debt, this does not necessarily mean that you owe taxes on the forgiven portion of the debt. In most cases clients can legally and ethically exclude forgiven debt from their income through the "insolvency exclusion" provided by the IRS code and described in the IRS publication 908 “Bankruptcy Tax Guide”. You do NOT need to file a formal declaration of bankruptcy to take full advantage of the “Insolvency Rule”. The way it works is that you can offset the canceled debt up to the amount by which you were insolvent at the time you did the settlement. This exclusion means that your liabilities exceed the fair market value of your assets, or in other words, you "owe" more than you "own". We recommend that you consult your tax advisor regarding your particular circumstance. They will also be able to assist you on filling out Form 982 that excludes you from the particular debt.
Q:  How does the IRS treat debt that is forgiven?
No, you are responsible for all payments to Creditors, including collection settlement payments. United Debt Resolution Group only collects its fees on a monthly basis and you are responsible for any payments to creditors and for saving funds to settle your debt.

Q:  How does the IRS treat debt that is forgiven?
Q:  Does UDRG make monthly payments to your creditors for you?

It is your right to accept or not accept any unwanted calls. If you have told your Creditor you are unable to make a payment and they continue to call and harass you, and your circumstances have not changed, then what would the purpose be of talking to them? We leave that decision up to you.
That will depend on what your credit score looks like when you enrolled in our debt settlement program. But in general if you do not make payments and do not pay your creditors according to the terms of your credit card agreement your credit will of course suffer the consequences. That is one of the trade-offs you will have to make if you are serious about reducing your debt once and for all and becoming debt free.
Q:  Is it wrong for me to avoid creditors calls or use different types of call screening devices?
This is a debt settlement program and if you are unable to accumulate funds based on missed payments then we will not be able to settle your accounts. If something happens and you are unable to make a full or partial payment, call your debt settlement advisor about getting some short term relief.
Q:  What happens if I am unable to save funds?

No, but we do have proven strategies in place for helping you manage the collection efforts and we can contact the attorney’s directly to discuss and negotiate any legal efforts to collect the debt.
Q:  Can United Debt Resolutiion Group stop collection efforts including lawsuits brought by creditors?
Q:  Do late fees and interest charges stop while I am in the program?
No, the interest and fees continue to accumulate, but United Debt Resolution Group will always negotiate your settlement with your original balance in mind.

If you fail to make payment to your creditors, they may take legal action against you.

Q:  Can I be sued by my creditors?
At the appropriate time and once you have accumulated funds to settle an account, United Debt Resolution Group will contact your creditors to begin debt settlement discussions and negotiations.
Q:  Does United Debt Resolution Group contact my creditors?
How long does it take to complete the UDRG program?

How does debt settlement differ from debt consolidation?

Do I have to combine all my debts, or can I pick certain debts to settle?

What's so bad about filing bankruptcy?

What kind of team do I have working for me at United Debt Resolution Group to settle my debt?

How does the IRS treat debt that is forgiven?

Does UDRG make monthly payments to your creditors for you?

Is it wrong for me to avoid creditors calls or use different types of call screening devices?

How does debt settlement affect my credit?

What happens if I am unable to save funds?

Can United Debt Resolutiion Group stop collection efforts including lawsuits brought by creditors?

Do late fees and interest charges stop while I am in the program?

Can I be sued by my creditors?

Does United Debt Resolution Group contact my creditors?
 
 
 
 
 
 
 
 
 
 
 
 
 
 

HOMEPAGE | PRIVACY POLICY | Copyright (c) 2010 - UDRG, United Debt Resolution Group,
“United Debt Resolution is a provider of debt negotiation services to consumers.  Its program terms as well as its costs and results will vary by consumer situation.  As such, during your initial consultation, please request and review a copy of United Debt Resolution’s consumer agreement and enrollment package.  The program does not provide legal representation, bankruptcy or credit-related/repair services or tax guidance.  Program may not be available in all states and results will vary based on type of unsecured debt, amount of debt, ability to save funds and willingness of creditors to negotiate.  The inability or failure to make timely payments to creditors will negatively impact your credit score, and such should be considered prior to enrollment. This information in this website is provided for initial contact purposes only, and no guarantees of program results are intended.  Please contact the company for details on programs offered.”