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United Debt Services Sends Official Notice Mailer That Makes Odd Sounding Statement

Written by Steve Rhode

An amazing reader Karen sent in a new debt relief mailer through my I Buy Junk Mail program.

Karen lives in Alabama where she received this mailer for debt help from United Debt Services. The outside of the mailer says Official Notice and does not give the name of the company on the outside. It seems I’ve written about United Debt Services before, click here.

UDS Mailer Outside

The address belongs to United Debt Services, LLC according to the BBB who gave them an F rating. The BBB says they also go by the name Department of Negotiations and share common ownership with Payment Relief Center through David Melrose. – Source

UDS Mailer Inside

The inside of the mailer is signed by Kirk Lanahan or not signed as the case may be. The failure to call statement made no sense to me.

“Failure to call and make your minimum monthly payment will likely result in interest accruing on your unsecured credit balances at an unreasonable rate.”

How in the world would failing to call the “Department of Negotiations” after receiving this marketing piece lead to an increase in your credit card interest accumulation rates other than what you are being charged?

The example shows a 56 percent reduction in debt and a proposed payment rate which does not make sense to me. The fine print says this is an actual example of a consumer who completed the “entire program.” Show why would it not be their actual payment and not a proposed payment?

The fine print also says the example does not include fees.

Just out of curiosity I went to see if United Debt Services is registered to do business in Alabama where the mailer was sent. It looks like they are not.

The results of a search for United Debt Services to see if they are registered to do business in Alabama.

The results of a search for United Debt Services to see if they are registered to do business in Alabama.

This offer was able to be reviewed because a kind reader sent it in via my I Buy Junk Mail program.

If you receive a credit or debt relief offer in the mail, do some good and let me pay you for it. Click here.

Want to See More Mailers?

Want to see more mailers I’ve reviewed as part of this program? Click Here.

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • Fast-forward several years and they (UDC LLC f/k/a United Debt Services / Dept of Negotiations) are at it again. My husband just received a notice in the mail almost identical to the example above. Phone number and address are different but otherwise the verbiage is exactly the same, right down to the same dollar figures in the PROGRAM EXAMPLE box. Glad I researched this first.

  • It does not say that your rates would increase. How the [email protected]#$ did you come to that conclusion??? It is simply referring to the common knowledge that most cc interest rates are unreasonable and if you contuinue making minimum pments you are going to pay an unreasonable amount of interest.

    • I assume you are saying that the contractual interest rate mutually agreed to is unreasonable or are you saying defaulting will lead to an unreasonable rate. Either way, it can be seen as misleading if the mailer is perceived as failing to call the marketing number of the mailer will lead to unreasonable interest building up.

      Second, that’s your biggest concern about the mailer?

  • I’d like to know if this is one of the companies that has been robocalling me incessantly from spoofed numbers. It would sure help reduce my dept if I could sue them for repeated violations of the ‘do not call’ list.

  • I just received a similar notice, for my late mother-in-law, from United Debt Services LLC with similar content but not with Kirk Lanahan’s signature. Kirk James Lanahan’s Linked-in profile shows him as a Marketing Director and founder of United Debt Services, Inc. (BBB F) Past companies where Kirk worked with the same title were Nationwide Consumer Savings, inc. (BBB F) and Dallas Home Loans, Inc. all in Frisko Tx and with David Melrose listed as principal in BBB reports. I think it is ironic that Kirk James Lanahan also wrote a small 26 page book titled “Debt Settlement manual” published in 2011 with contributions from David Melrose. The synopsis of the book states “Easy and proven methods to help guide you through the entire debt settlement process. Debt settlement companies will charge thousands of dollars for there services, save thousands settling your own debt.” I have not read the book. The more I learn, the more I wonder how these people managed to stay out of court.

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