Why work with us

What makes us your best choice?

our method

The Citizens solution

We have developed a simple and effective step by step approach to achieve your goal of a debt free future.

Step 1: Enroll in our program

Call us or fill out our form to work with a personally assigned debt specialist for a free consultation. With your approval, your personal debt specialist will lay out your finances and credit history to see if you are eligible for The Citizens Solution. There is no risk or obligation to you as we do not charge any fees until we successfully reduce your enrolled debt. Once you qualify for the program and sign an electronic enrollment agreement, we can move to step 2.

Step 2: Build your savings

Your personal debt specialist will work with you in designing a monthly payment plan designed with your budget needs and goals in mind. Your monthly payments will be deposited into your personal trust account with Reliant Account management. Reliant Account Management is an FDIC insured savings account provider and acts as a link between you, your creditors and Citizens Debt Relief. During your program, you have complete control over your trust account and its funds.

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Step 3: Creditor communication

Citizens Debt Relief will notify your creditors that you are enrolled in our debt relief program and are proactively working to pay off your debt. This communication is important because it establishes a working relationship with your creditors and makes reaching new payback terms much more efficient.

Step 4: Debt reduction

After you have saved sufficient funds in your trust account, our team of negotiation specialists will contact your creditors to reduce your balances and reach a settlement. Our relationships with large credit institutions are strong. By pooling your debt together with other client debt, we have the power of numbers working for you which ultimately allows us to achieve debt reductions quickly. Every time a settlement agreement is reached, you will be notified. Our debt negotiations specialists typically reach debt reductions for 40-60% of the original debt amount.

Step 5: Graduation

Your debts will be reduced one by one as we reach agreements with your creditors. As this happens, Citizens will transfer the appropriate funds from your FDIC insured trust account to your creditors to satisfy the debt. This step repeats until all of your enrolled debt has been reduced and paid off at which point, you will have graduated from The Citizens Solution.

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Client FeedBack

Read success stories from our happy clients

Google Reviews 4.7 1,562 reviews

Jason Hessom

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

Karen Moore Meador

Just got off the phone from a young man, he saved my life and my credit card debt! Thank you Brandon!

Lauren Demain

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.

Paula Hess

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.

Meredith Bradford

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!

Becky Leopard

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…

Get in touch today for your FREE consultation

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

Am I a good fit for debt resolution?

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.

How long will it take to resolve all of my debts?

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.

What happens if I miss a payment?

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.

When can I expect to start seeing my debts paid off?

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.

Will I be able to use my credit cards?

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.