Up Credit Repair



Get yourself out of debt as quickly as possible.

The ideal candidate for debt resolution finds themselves in hard financial times, making it difficult to send a lump sum to their credit card company. They could be making low or minimum payments on their credit cards, facing high interest rates,maxing out their cards, and barely reducing the total amount owed. They want to reduce their monthly payments and pay off their credit card debts within 2 to 4 years with debt resolution, rather than decades of making minimum monthly payments. For borrowers who struggle to pay the full amount on their credit cards bills due to the COVID-19 pandemic, personal loans, or another type of debt or collections account, our debt resolution company may be your best option for financial relief.


We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume your consumer debt, provide loans to pay your debt, make monthly payments to your creditors, or provide tax, bankruptcy, accounting or legal advice, or credit repair services. Our program may adversely affect your creditworthiness, may result in your being subject to collections, may result in your being sued by creditors or debt collectors, and may increase the amount you owe due to the accrual of late fees and interest.

This service is not available in all states. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates are based on prior results, which will vary based on specific circumstances. Please contact a tax professional to discuss the tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment. Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.

Citizens debt resolution does not discriminate on the basis of race, color, religion, sex, marital status, national origin or ancestry.

The time required to complete our debt resolution program will vary based on your credit card balances and what you can pay towards your debt resolution program each month. Our company has expert consultants who will determine the repayment plan best suited to get you relief quickly while minimizing the negative impact on your financial situation. Our clients usually finish their debt resolution program within 2 to 4 years.


We understand that a difficult financial situation led you to this debt settlement program. If you cannot make a payment one month, please let us know AT LEAST 5 business days before and will do our best to accommodate. However, making your scheduled payments ontime is critical to successfully completing your debt resolution program. The faster and more aggressive your repayment plan, the more quickly we can reach agreements with the credit card companies and continue the debt negotiation process.


Once you have enough saved in your debt settlement account, we will begin negotiating with your creditors. Depending on your outstanding balances, the timeframe for debt negotiation will vary. Clients can usually expect their first settlement between the 3rd and 7th month of debt resolution efforts.


No, your enrolled credit cards will be inactive. However, we recommend debtors set aside one credit card with an available balance in case of emergencies. This is especially important if you don’t have an emergency fund available.

Our clients are set up with their own FDIC-insured savings account, which a third-party processor oversees.  Funds that build up in this accounts are used to pay creditors that you have enrolled in the program. This account is maintained in your name and is only accessible with your authorization. You can view your account balances, statements, and other information online 24/7.

Typically, the amount of debt you owe already has a negative impact on your credit report. Other factors affecting Your credit history, monthly payments as compared to your total debt, and delinquencies are just a few other factors affecting your credit score. Our debt resolution plan aims pay off your credit card debts quickly, helping you achieve financial freedom. While debt consolidation may cause a temporary negative impact to your credit score, you’ll will see an improvement as we negotiate and pay each account.

Some creditors may tell you that they don’t deal with debt negotiators so they can employ their own collection efforts. If we enroll a debt belonging to a particular creditor into the program, it is because we’ve successfully negotiated with that lender previously. Remember, if we cannot reach an agreement with your credit card company, we do not get compensated.

Our clients may experience some creditor calls, this is normal with this process, and nothing to be concerned about.We do have systems in place to help minimize creditor call, and our consultants are trained to tell you how to deal with them if they do call.

enerally, debt that has been forgiven is considered taxable. There are, however, exceptions reserved for hardship. Consult with your tax advisor to see if the insolvency/hardship provision applies to you and discuss any potential tax consequences.