1. Submit profile
Complete your intake and add each debt card with current balance and minimum payment.
Citria
Debt Relief
Guided payoff program
Pay off high-interest debt with a clear plan and structured execution.
We help you move from scattered balances to one structured payoff path. You get card-level tracking, specialist guidance, and execution updates in one dashboard.
Application time
10-15 min
Cards supported
Up to 20
Review response
1-2 days
Live status
Case under specialist review
Response expected within 1-2 business days
Trusted partners
Visa
Mastercard
American Express
Discover
Cisco
Stripe
Plaid
Cloudflare
AWS
Microsoft
Google Cloud
Okta
Twilio
DocuSign
How it works
Three steps from intake to plan execution
2. Specialist review
We validate affordability and sequence your payoff order with a timeboxed execution window.
3. Execute and track
You follow one dashboard with status, milestones, and updates tied to your plan.
Debt relief estimator
See the impact of Citria 1.5% relief rate
Use your current debt balance and repayment term to preview monthly flow at the fixed 1.5% plan rate before you apply.
Debt relief estimator
Estimate with Citria 1.5% plan rate
Typical card monthly estimate (23.8%)$959
Citria monthly estimate (1.5%)$696
Estimated monthly savings$262
Estimated total savings (36 months)$9440
Estimates are illustrative and not a lending offer. Final terms depend on profile review, verification, and eligibility.
Client testimonials
Real-life debt relief stories
Amanda R.
Tampa, FL
“I finally had one plan I could follow week by week.”
Carlos M.
Austin, TX
“Seeing each card mapped out reduced my stress immediately.”
Priya S.
San Jose, CA
“No confusion, just consistent updates and clear milestones.”
Jordan T.
Atlanta, GA
“The process felt personal, not like a generic portal.”
Showing 1-4 of 80 client testimonials
Frequently asked
What clients ask before starting
How fast can payoff activity begin?
After review and verification, activity typically starts within a few working days.
Will I get real support?
Yes. Prestige support is available to all clients, with direct specialist responses.
Will this affect my credit score?
As revolving balances are reduced, your debt-to-credit ratio can improve. Score movement varies by profile and bureau model, but healthier utilization typically supports upward score trends over time.
How is my data handled?
We apply role-based access controls and secure transmission practices. Client information is not sold to third parties and is shared only for approved servicing and compliance operations.
Start your payoff plan this week
Apply in minutes, add your balances, and get a structured plan you can follow with confidence.
Independent review
Trusted public feedback from verified review channels.
