United Financial Relief Wants to Sell Me California Debt Relief Program. – Karen

“Dear Steve,

I am in the process of applying for California debt relief with United Financial Relief. I have about $16,000 in debt that my income can no longer manage.

Are there any financial risks or obligations that I should be aware of, either now or in the future?


Dear Karen,

I didn’t even make it past the first page on their site without some significant concerns.

Starting at the top they make a time claim on how long it will take to get out of debt that appears to be entirely unsupported. If it was based on hard date there would be an average. Otherwise the range would be between X and never.

It isn’t till you read the small print on the homepage that you learn the figures quoted don’t include all enrolled clients. They say “some clients are unable to graduate” but they fail to clarify what percentage of accounts go unresolved. It’s a smoke screen of semantics.

They say they don’t even service the accounts, that’s done by Freedom Financial network. So why even consider United Financial Relief?

Then there is the heading of “America’s Most Trusted Debt Relief Service.” That’s a load of bull. I’d never heard of them before. Hard to think of them as a leader when they don’t even service their own clients.

Then there is the terribly inaccurate information about debt consolidation loans as HELOCs. What about the easy to get unsecured debt consolidation loans?

They refer to credit counseling as best for low debt and high interest. Huh?

They say bankruptcy is the last resort, which is just flat out not true.

And all of that seems to lead down to debt settlement being the best solution.

Credit Card Debt Settlement Companies | Debt Negotiation Programs (20130402)

And if United Financial Relief is trying to sell you some sort of California Debt Relief program, RUN AWAY. There is not such thing.

Frankly I think you need to first take a step back and determine what solution is best for you to use to address your debt.

I’d suggest you first read How to Get Out of Debt. The Honest and Unvarnished Truth, How Do I Get Out of Debt Quickly? Change Your Mindset, and The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy. They will give you a great overview of what we need to deal with to get you moving in the right direction.

Then use the free How to Get Out of Debt Calculator to review your options.

Once you’ve identified a company you want to work with, then follow my step-by-step guide on what you should look for and expect from a good debt relief company.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
Damon Day - Pro Debt Coach

Steve Rhode

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