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.

Woman sitting at desk
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.
Cartoon vault with money inside
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.
Cartoon man sitting at desk messaging someone else
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.
Cartoon woman using laptop
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.
Cartoon friends taking a selfie
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.
We show
We aim to
We strive for

Interested in a FREE consultation?

Get started
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!!!

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.