FINANCIAL EDUCATION HUB
FREE EDUCATIONAL RESOURCES: Learn how cooperative economics works, understand your rights as a debtor, and explore professional-grade financial tools - all at no cost.
📋 Registration Status
Citizens Reunited is currently completing Texas state registration. Until registration is complete, we operate exclusively as a financial education platform providing free resources, tools, and information about cooperative economics and debt relief strategies.
No membership fees are being collected. No financial services are being offered.
Our Organization
Leadership
Legal Structure
Delaware Public Benefit Corporation
A special corporate structure that legally requires balancing profit with public benefit
Texas Registration (Pending)
We're completing state registration before offering any financial services or accepting members
Educational Focus (Current)
Currently operating as a free educational resource while completing regulatory requirements
What We Provide (Free)
- Debt calculators and financial planning tools
- Educational content about debt relief options
- Information about consumer rights (FDCPA, etc.)
- Resources on cooperative economics
- Newsletter with financial education content
Future Vision
After Registration
Once registered in Texas, we plan to offer member-owned cooperative services
Cooperative Model
Future plans include democratic governance where members have voting rights
Debt Relief Services
Post-registration, we aim to provide collective debt negotiation and relief
What We're Working Toward
Citizens Reunited is building toward a member-owned financial cooperative. Our vision is to provide the same corporate-level financial advantages that large institutions have - but collectively owned and democratically controlled by regular people.
Why This Matters: The Debt Crisis
165 million
Americans struggle with medical debt
$88 billion
Medical debt is in collections
100 million
Americans have credit card debt averaging $7,200+
Understanding your rights and options is the first step toward financial freedom. That's why we're providing free educational resources to help people navigate the complex world of debt.
Learn About Cooperative Economics
Cooperative economics is a model where organizations are owned and governed by their members rather than outside shareholders. This creates aligned incentives - the organization exists to serve members, not to extract maximum profit.
Key principles of cooperative economics include:
- Democratic Control: Each member has an equal voice in governance decisions
- Member Ownership: Surplus returns to members rather than outside investors
- Community Focus: Decisions prioritize member welfare over profit margins
- Transparency: Open books and accountable leadership
Free Educational Resources
While we complete state registration, explore our free tools and educational content:
- Debt Calculator - Understand your total debt burden and payoff strategies
- Budget Tracker - Plan your finances and identify savings opportunities
- FDCPA Violation Checker - Learn about your rights under federal debt collection laws
- Settlement Negotiator - Understand negotiation strategies for debt settlement
- Industry Secrets Calculator - Learn how debt purchasing and collection really works
Legal Notice
Citizens Reunited PBC is a Delaware Public Benefit Corporation incorporated August 7, 2025 (Entity #INC756307, EIN: 39-3659966). Read full disclosure →