Although each person’s story is unique, you are not alone. There are millions of Americans struggling with high-interest unsecured debt and they all have one goal in mind, to pay off their debt in exchange for a brighter financial future.

Every citizen has a different story. That’s why it’s important that you do your research and compare your debt settlement and debt resolution options. At Citizens Debt Relief, we’re here with you every step of the way. We work with you to create a customized program to alleviate your debt so you can achieve your goals.

Credit Counseling - Couple going over credit card debt and finances

Credit Counseling

A credit counselor reviews your financial situation, sets up lower interest rates with your creditors if possible, and creates a structured plan for you to follow.


  • One monthly payment
  • Lower interest rates
  • No collection calls


  • Lenders may view you as credit risk
  • Principal debt not reduced
  • Credit card accounts closed
Debt Consolidation - Calculating Finances

Debt Consolidation

You take out one loan to pay off multiple debts. This loan can have a lower interest rate than your debts. You make fixed monthly payments on until the loan is paid off.


  • One fixed monthly payment
  • Flexible terms
  • No credit impact


  • Need good credit and Debt to Income to qualify
  • No reduction on principal balance
  • Results vary
Home Equity Line / Refinance - Going over finance paperwork

Home Equity Line / Refinance

You must work with a mortgage lender. You refinance / take on an additional mortgage. More cash borrowed beyond the mortgage balance. You use that money to pay your debts.


  • High-interest debts paid off
  • Reduced monthly payments
  • Mortgage interest is tax deductible


  • Need to be a homeowner
  • Increased foreclosure risk
  • Adds to existing mortgage debt
Citizens Debt Relief: Debt Management and Debt Resolution - Couple meeting with Debt Specialist

Debt Resolution

Working with a company, you make monthly deposits into an account. The company works with your creditors to accept less than the debt owed. That amount is then paid to creditors, from the account you deposited into until the debt is resolved.


  • Significant cash savings over making minimum payments
  • One low monthly program deposit
  • Quicker timeline for completion


  • Will likely adversely affect your creditworthiness.
  • May result in your being subject to collections.
  • May result in your being sued by creditors or debt collectors.
  • May increase the amount you owe due to the accrual of late fees and interest.
Bankruptcy - Man with empty wallet


A full legal process. All assets are evaluated and used to pay off your debts. Chapter 7 and Chapter 13 are most common options used by individuals. Once the bankruptcy is complete, you are relieved of the debts you had before filing for bankruptcy.


  • Debts could be forgiven (Chapter 7)
  • Creditors are cannot collect on debts
  • Process takes 3-6 months


  • Significant, long-term damage to credit (7-10 years on average)
  • Loss of all credit cards
  • Cannot qualify for a mortgage
  • Chapter 7 difficult to qualify for
Minimum Payments - Man calculating monthly finances

Minimum Payments

You research and determine the exact payments required for each debt and track your progress over time.


  • Optimized payments
  • No required costs
  • No credit impact


  • Requires strict planning & discipline
  • Often very long pay off timeframe
  • Interest rates don’t change
  • No reduction on principal

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