United Settlement: In-Depth 2026 Review for Business Debt Settlement
United Settlement is ranked #14 on our list of the top business debt settlement companies for 2026. United Settlement (also known as United Debt Settlement) was founded in 2016 by Marcel Bluvstein and Gabriel Gorelik and operates from 240 West 37th Street in New York City. The company specifically targets small businesses struggling with merchant cash advance debt and carries over 20,000 active clients. Their New York City base is strategically significant — the MCA funder industry is heavily concentrated in New York, and local presence can facilitate faster negotiations and better outcomes with those funders. Their fees of 15-24% are competitive, with a $5,000 minimum that's accessible to smaller businesses. Our editorial team has thoroughly evaluated United Settlement across all five of our scoring criteria — fee structure, transparency, settlement speed, customer support quality, and creditor negotiation success rate — to provide business owners with a comprehensive, unbiased assessment of what this company offers and where it falls short.
United Settlement charges settlement fees of 15% - 24% of enrolled debt, which places them at the lower end of the industry range and represents one of their strongest competitive advantages. Their minimum enrolled debt requirement is $5,000, and their programs typically run between 24 and 48 months depending on the total debt enrolled.
Who Is United Settlement Best For?
Small business owners primarily dealing with merchant cash advance debt, particularly those working with New York-based MCA funders. Their specific focus on MCA settlement means their team has more targeted experience with MCA-specific negotiations than generalist debt settlement firms.
United Settlement was founded in 2016, giving them less than a decade of operational history — significantly shorter than most competitors on our list. Some clients have reported inconsistencies in follow-through and communication during the program. While their MCA focus is a strength, their track record for long-term program outcomes is still being established.
United Settlement Fee Structure Explained
Understanding the complete fee structure is essential before enrolling with any debt settlement company. United Settlement charges a settlement fee of 15% - 24% of enrolled debt. This fee is calculated as a percentage of the total debt you enroll in the program, not a percentage of the amount saved. For example, if you enroll $100,000 in debt and the fee is 15%, you would pay $15,000 in fees regardless of how much the debt is reduced. Importantly, United Settlement does not charge any fees until a settlement is successfully negotiated and you have approved the terms — this is in compliance with FTC regulations and is a standard practice among reputable firms.
United Settlement does charge a monthly maintenance fee (Small admin fee included in payments) in addition to the settlement fee. This is an important cost to factor into your total program expense. Regarding cancellation, their policy is: None.
Our Verdict on United Settlement
After extensive research including mystery shopping, contract analysis, and review of hundreds of client experiences, our verdict on United Settlement is: "A New York-based MCA specialist with competitive fees and 20,000+ active clients, though its 2016 founding means limited long-term track record." They received an overall rating of 3.9 out of 5, with their strongest scores in fees.
The key strengths that set United Settlement apart include: Specific MCA settlement focus — not a generalist firm; Competitive fees: 15-24% of enrolled debt; 20,000+ active clients; Based in NYC — epicenter of MCA funder industry. Areas where United Settlement could improve include: Founded 2016 — limited track record compared to older firms; Mixed reviews on program follow-through. Business owners considering United Settlement should schedule a free consultation to discuss their specific situation and get a personalized assessment of what the program can realistically achieve for their business debt.