What does United Financial Freedom do?

 No. United Financial Freedom is not a law firm, and we do not provide legal advice. Our services are educational and advocacy-based and are designed to help clients understand options and communicate more effectively with creditors when appropriate. 

 No. We do not offer debt elimination or credit repair services.

Debt mediation and settlement evaluation involve reviewing hardship and exploring potential options with creditors. Credit repair typically focuses on disputing credit report items, which is not a service we provide.

 Every financial situation is different. Participation in certain programs may result in changes to credit scores, while other programs are designed to support credit integrity.

We take time to explain how each option may impact your credit profile so you can make an informed decision. No outcome is guaranteed, and results vary by individual circumstances.

 No. United Financial Freedom does not guarantee outcomes, savings, or creditor participation.

All creditor decisions are made independently based on their internal policies and your financial circumstances.

 A hardship program is an option offered by some creditors for individuals experiencing financial difficulty. These programs may include temporary relief such as reduced payments, lower interest, or structured repayment options.

Participation and outcomes depend entirely on the creditor. We help clients understand and document hardship, but we cannot guarantee approval.

 No. You are never required to stop making payments.

Payment decisions are personal and depend on your financial situation and goals. We help explain potential implications, but the decision is always yours.

  We begin with a confidential review of your financial situation, goals, and concerns. Based on that information, we explain which options may be appropriate and why.

Not every program is suitable for every client. Eligibility depends on individual circumstances and lender requirements.

   In certain programs, and with your authorization, we may assist with communication or documentation related to mediation or evaluation. Creditors are not obligated to respond or agree to any request. 

   With your written or electronic authorization, we may review credit information through soft credit inquiries. Soft inquiries do not impact your credit score.

We do not perform hard credit inquiries unless expressly authorized.

    Yes. We take privacy and data security seriously. Personal and financial information is handled in accordance with our Privacy Policy and applicable laws.

We do not sell or misuse client information.

    Timelines vary depending on the program, creditor policies, and individual circumstances. There is no standard timeline, and results cannot be predicted.

We focus on education and support throughout the process rather than speed.

     No. Consultations are confidential and informational. There is no obligation to enroll in any program.

Participation is always voluntary and based on informed consent.

    If you would like to explore your options, you can schedule a confidential consultation with our team. We’ll answer your questions and help you understand what may be available based on your situation.