Compare Your Options
Debt relief isn’t the only option. However, working with us is an excellent way to pay off your debt in less time with the most savings.
Here's an example:
Susan came to us with overwhelming debt and in need of relief. Here's how we stack up against other common debt relief options.
Susan Smith
Starting debt $30,000
42%
Total Paid
$22,500
Debt Consolidation
31%
Total Paid
$32,300
Minimum payments
2%
Total Paid
$44,423
Read success stories from our happy clients
I enrolled with Citizens Debt Relief in 2024 and with the help of Thomas Fischer and his team 5 of my accounts have been settled and satisfied and we are in the process of settling my 6th and final account
Just got off the phone from a young man, he saved my life and my credit card debt! Thank you Brandon!
Since I've enrolled, more than half of my accounts have been settled with lenders, with an average reduction of 65% off the original balances… These folks know their stuff. Brandon Turner has been a great asset.
Mike Cocca was polite, empathetic, and generous of his time. He went above and beyond to educate me in this process… He also was very accommodating in procuring a lower payment and schedule that meets my financial needs. I would add more stars to this review if able.
Thomas Fischer really went above and beyond to help me, he was very easy to get ahold of, answered every question I had, he was very kind and very helpful!
Brandon Turner did an amazing job in helping me gain peace of mind and a decent repayment plan. He was professional, quick, responsive to questions and very informative. Highly recommend this service…
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Frequently asked questions
Find answers to some common questions about credit card debt and our role as a debt resolution company.
Visit our full FAQ page
The ideal candidate for debt resolution is someone who is experiencing financial hardship that makes it difficult to make payments on their credit card debts. He or she is making minimum or low payments on their cards and sees little improvement in terms of reducing the total amount owed. The ideal candidate is looking to reduce their monthly payments and pay off their debts within a timeframe of 2-4 years as opposed to the decades that it will take by continuing to make monthly payments.
The time required to complete our debt resolution program will vary based upon how much money you owe and how much you will be able to pay each month to build up the savings required to resolve your debts. Our specialists will work with you to determine the program length that is best suited to get you out of debt quickly while not adding any unnecessary burdens to your current financial situation. Our clients can expect to finish the program somewhere between 2 and 4 years.
We understand that you entered the program due to a difficult financial situation. These things take time to improve. However, we want you to be aware that making scheduled payments is critical to your success in your program. The faster you can accumulate savings in your account, the quicker we are able to reach agreements for reduced pay-off amounts on your behalf. Simply put, making your monthly payment is the most important factor in paying off your debts and regaining control of your finances.
Once you have accumulated a sufficient amount in your program account we will begin negotiating settlements with your creditors. Depending on how much you owe for each of your debts, the timeframe for reaching agreements will vary. Typically, clients can usually expect their first settlement somewhere between the 4th and 7th month in the program.
No, your enrolled cards will be rendered inactive. We do recommend, however, that you set aside one card to be used for any emergency situations that might arise. This card ideally should have an available balance.