Our Vision
A world where debt serves people, not profits. Where financial services uplift rather than extract. Where economic power is democratically distributed. And where no one faces financial predation alone.
Our Mission
To provide collective debt relief services and member-owned financial solutions that reduce the burden of predatory debt on individuals and communities; to advance economic justice through affordable credit, financial education and cooperative ownership; and to empower members and communities affected by predatory debt.
Why This Matters
165 million
Americans struggle with medical debt
$88 billion
Medical debt is in collections
100 million
Americans have credit card debt averaging $7,200+
The current debt collection industry profits from human suffering. We're changing that by organizing millions of debtors into a collective force that can negotiate on equal terms with creditors.
Our Core Philosophy
This project represents more than a business model—it's a living experiment in collective economic empowerment. Every action we take is guided by these principles:
- Serve the Collective Good - Prioritize member welfare over profit maximization
- Build Trust Through Transparency - Document decisions and reasoning openly
- Embrace Iterative Evolution - Adapt based on member needs and systemic feedback
- Amplify Marginalized Voices - Center those most affected by predatory debt
- Think in Ecosystems - Consider ripple effects across economic, social, and political domains
Development Philosophy
This project embodies three archetypal approaches:
Pattern Synthesizer
Weaving complex economic, social, and technological threads into coherent systems
Purpose Seeker
Maintaining authentic alignment with humanity's betterment through heart-centered inquiry
Wisdom Guide
Ensuring ethical integration and long-term harmony in financial transformation
How We're Different
Unlike traditional financial institutions that extract wealth from communities, Citizens Reunited:
- Member-Owned: Every member has a voice in governance and shares in our success
- Mission-Locked: Legal structure prevents extractive pivot or corporate takeover
- Community-First: Decisions prioritize member welfare over profit margins
- Transparent: Open books, clear processes, and accountable leadership
- Regenerative: Wealth flows back to communities, not to Wall Street
Join the Movement
Citizens Reunited isn't just solving debt—we're reimagining what finance can be when it serves humanity instead of exploiting it. Together, we're building an economy that works for everyone.