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Our debt relief company understands that every person’s financial situation is unique, which is why not every type of debt consolidation is a good option for everyone. For this reason, we work with you to understand your finances and goal to develop a personalized solution. We are by your side throughout your debt resolution process, we want you to know that you’re not alone. Many Americans are burdened with financial hardship stemming from unforeseen medical bills, a loss of income, or many more. No matter the amount of debt, Citizens can customize a plan to help eliminate your unsecured debt within a few short years.
In the United States, U.S. consumer debt has reached $14.9 trillion. As of 2021, the average household credit card debt for an American family is $5,315, but this number can vary greatly from one household to the next. Accordingly, our debt relief company prides itself on its ability to tailor right sized debt consolidation plans to meet your unique circumstances. Call us for a free consultation! Before explaining how our program works, one of our Certified Debt Specialists takes time to get to know you and your financial situation. Then, you’ll work together to customize your monthly deposit amounts based on your goals, the total amount of your enrolled debt, and budget. From there on, the process looks something like this:
1. Open a savings account.
CDR’s debt relief program provides the perfect route for Citizens who are tired of throwing money down the drain and want a fast way out of debt. After enrollment, the first step is to open a special purpose savings account. This is where your monthly payments will be deposited. The money that builds up in this account will in turn be used to pay your creditors after we have negotiated the balances down. This account is opened in your name and is in your complete control.
2. STOP using your cards!
In order for this program to work, you will need to stop using the cards/accounts that enroll into the debt relief program. This is a must. We also handle all of the communication with the creditors about your accounts. If they send you anything directly, please make sure you sent that information over to us!
3. Let us negotiate for you.
Next, our skilled debt resolution negotiators work on securing reductions that help boost your savings and resolve your debt as soon as possible. They will put together a strategy to figure out which of your accounts to handle first using the funds in your savings account. A good debt relief company must have excellent negotiation skills. Proper negotiation facilitates adequate settlement. Luckily, Citizen’s Debt Relief retains the industry’s debt negotiation pros!
4. Repeat, repeat, repeat!
Once we obtain, you accept and we send payment out on a reasonable negotiation offer with all of your creditors, we have reached the final leg of the journey. Following acceptance of your offers, we can commence repayment of your debts. Remember, your payments come from the special purpose savings accounts opened for you in the beginning. No other out of pocket expenses, except for your one monthly payment.
After we negotiate and begin paying down the first account, the process repeats for each enrolled debt until all of your debts are reduced to zero!
The last step in Citizens Debt Relief’s reduction program is to graduate with a debt balance of zero and a fresh start!
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