Citizens Debt Relief Reviews

Don't do business with this company. They will take your money but don't negotiate with creditors, and if you try to cancel they won't refund what you already paid them even though none of it was used to pay off your debt. You'd do better negotiating with the creditors yourself. I'm still trying to get about $1200 back and can't get an answer to e-mails or phone calls, and I don't know where else to turn for help.

It's a total scam. I was paying into the loan consolidation program for almost two years, and they had only applied 10% of what I had paid to my creditors that I had given them full information on. Without a doubt, do not use this service. I am still fighting with the director over email, trying to get him to send me what they never applied to my creditors, which is over $1,800. The worst part is that I reached out to an attorney in my local area for help, and he just told me to "keep on emailing them." 😢. What a nightmare. I get the new director of the company to tell me that they are going to refund me a check in the mail, and then when I talk to any of the reps over the phone, they just said the checks will be mailed back, but they don't know exactly when. Do yourself a favor and just hire a good lawyer from the start to negotiate with creditors.

Went through them in 2024. Initially you think everything is going well, but what they don't tell you is they take about a 28% total fee on the gross amount of your accounts and then finance you with a loan of 27-30%; so you end up paying over 50% interest when all is said and done. They use your loan to pay THEIR fees instead of your accounts so more than likely 1 of your accounts they claim they settled will not be paid by your loan, you'll find this out about a year or 2 later, they'll come back and say you are now responsible for payment on this relief as well. So not only are you paying on your %30 interest loan, you now have to pay an additional fixed monthly amount directly to the bank. Did I mention they keep your money? They still owe me a few hundred bucks. Save your money and work with the banks directly, I promise you can work out the same deal without their fraudulent charges.

They took my payment out early, which overdrafted my account. But all is good because they were able to reverse it, and everything was taken care of. Appreciate the help.

DON'T DO IT! Don't sign up for this service. It's easier to work with your creditors after your accounts go into collections on your own. Citizens are soooooo nice until after you sign. Then you have no support. When you move in a different direction, they don't follow-up with the information regarding what they did with your money. I reached out twice for the info and they said they were pulling the reports only to never hear back and can't get a hold of anyone. They talked to maybe two creditors, but didn't talk to any others from what I discovered. Took things over myself and was able to negotiate my accounts down on my own pretty easily and didn't have to waste any more money.

I trusted Citizens Debt Relief with $5,836.02 to help manage and settle my debts. Instead, they failed to pay my creditors, which led to attorney involvement and a wage garnishment that now takes $484 from every paycheck. One creditor added $2,352 in interest because CDR never contacted them. They ignored me for over a month until I filed a BBB complaint. After that, they briefly communicated, admitted fault, and agreed to send me $450 per month to help with the damage they caused. They made a few payments and then stopped without warning. No explanation. No response. Nothing. They have not replied to my emails, including the one about the attorney now pursuing collections. Aside from one recent payment to a single creditor, they did not pay any of the accounts they were contracted to handle. I’m sharing this so others know what happened before trusting this company with their finances.

Citizens Debt Relief is a scam. I was paying them for over a year to negotiate 3 accounts. I was getting no results and contradicting information that didn’t match up from different employees. I negotiated one account on my own for much less than what they provided on my other 2 accounts. The other 2 were supposedly negotiated by citizens debt relief. Those accounts offered costing more than when I enrolled the debt, maybe taking 10% off the late fees that built up from non payment. Now I’ve been requesting my funds be returned because I did not agree with the negotiated results. It’s been 4 months with not a single reply back via email or returned calls. I’m now being sued and unable to negotiate because of the release of liability they have not provided me. They will just drag it on and completely ignore you.

They are scam artists. Do not do it. You can literally settle the debt yourself without their help and when I say their help, I mean they charge you and you still have to do the leg work. I started with $6200 worth of debt I paid over $7000 and I still have to settle the debt myself and take out a personal loan they literally stole over $5000 from me and have terrible service. Once you sign up they will not call you back.

I'm so thankful I had the courage to call Citizens Debt Relief. I spoke to Brandon ** and Sheri **. They explained what really was about, how it works, answered all my questions, made me feel a lot better about myself having to use their company. I will 100% tell my friends and families and anybody who needs to get out from under their debt. Call this company and see if you can talk to Brandon or Miss Sherry. After I got done speaking to them and got off the phone it was like a weight lifted. I know now that on Social Security I can afford my bills and put food on my table. Thank you you two. You're a godsend to me. I wish you all the best. Lisa

I've had a terrible experience with this company. Communication is horrible. I've had garnishments on a bill I thought was being paid through this service. I tried to contact them to negotiate a recent payment that was more than my paycheck and they still took my money. No replies to my emails and every time I call after work I'm on hold until they close and never get to speak with anyone. Do not use this company for debt services. I'm now in more debt because of the non communication...