our mission

We’re making it easier to live debt free.

At Citizens Debt Relief, we’re ready to help. No matter how much debt you have, financial freedom is attainable!

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Who are we?

Citizens Debt Relief is a dedicated debt relief company based in the heart of New York City. Our meticulously crafted approach to debt relief helps us secure a brighter financial future for our clients.

Part of what makes us unique is that we value full transparency, cooperation, and grit above all else. We exist to provide our clients with the tools they need to pull themselves out of debt and into a state of financial peace of mind.

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Our mission

Our mission is to resolve your outstanding balances, whether they are current or delinquent, or in the form of credit cards or unsecured loans, through an efficient negotiation as quickly and comfortably as possible.

We retain expert negotiators skilled in protecting borrowers from predatory credit card interest rates and aggressive debt collectors. Our debt relief specialists fight the debt negotiation fight for you, so you don’t have to. If we can’t reach an agreement with your debtor, we do not accept compensation for that portion of your debt, but rest assured that if we say we can negotiate it, we can.

The most important thing to take away from our mission statement is that trustworthiness is the foundation of our financial institution. Enrollment into one of our debt relief programs is the first step in your personal finance debt solution. Citizens Debt Relief strives to reduce the total amount of your unsecured debt balance to just a fraction of what is owed. Regardless of the specific amount of debt acquired, the specific period of time it has remained delinquent, or your resulting credit score, our strong-minded settlement company team is determined to make your debt settlement manageable.

Get in touch today for your FREE consultation

Client FeedBack

Read success stories from our happy clients

Phaedra V

I had a few maxed credit cards with high interest, which became impossible to keep up with since the pandemic started. Conor has settled with 2 creditors so far, down to half or a little less than half of what I originally owed. He gets right back to me with any questions or concerns, and he and everyone I've spoken to has been very polite. I highly recommend this company to help you with your debt.

Gloria Harris

I worked directly with Conor Cousin. I have been struggling with High interest credit card debt since the pandemic hit and it was becoming hard for me to get any headway. Conor was able to show me a process to make me debt free once and for all. Highly recommend working with Citizens. Responsive and quick to respond all my questions and concerns.

Jerry Ausherman

We've worked directly with Thomas Fischer and he's been great! We got involved in real estate investing through a company and after a while found out that quite a few of the things we were taught were either not true or were unethical. We paid a large sum of money to get all these credit cards to use for doing business and paying for our training. It didn't work out and now we are seeking to avoid bankruptcy by paying back what we can. Thomas has helped us immensely with his guidance and understanding.

Michael Black

I worked with Ernest Smajlaj at Citizens Debt Relief to help pay off $27,541 in credit card debt. He was very pleasant to work with and answered all my concerns.


I have dealt with Tom Fischer from day one he has been so helpful. Ive been with them less than a year and they have been amazing. They are on the ball very efficient. Tom has been a blessing with his help and encouragement . I am beyond pleased with the way they have helped me and how quickly they have obtained settlements Tom is so helpful and truly cares about his clients.  It shows in his responses and his words of encouragement. Thank you Tom you are very much appreciated. Keep up the good work. Gods blessings to you and the company.

Perry Felton

Citizens Debt Relief has been so helpful! Alexander Faulk is so informative and always gets back with me, and the company has given me so much reassurance to get all my credit cards and loans taken care of. We are 4 months in and two of my accounts are already taken care of! Thank you CDR!!!

Why choose us?

Citizens Debt Relief is the gold standard of debt consolidation services.  There are a number of reasons why Citizens Debt Relief is the best option for you, but we want our potential clients to experience our expertise and insights into credit card debt consolidation for themselves.

We are so confident in our debt management services that we offer free consultations and refuse to charge you any upfront fees until we can come to a settlement agreement with your credit card company or collection agency that reduces your total amount of debt and have you on the road to long term financial success.

We call ourselves Citizens because we believe that every citizen has a right to be debt free. We believe in this right regardless of credit card balances, creditworthiness, or achievable minimum monthly payments. If your outstanding debt has resulted in repossessions, high fees, or persistent collection efforts, the negotiators at Citizens are here to help.

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