Just when I thought I'd have to file for bankruptcy, I found Citizens Debt Relief. Their assistant and customer service are wonderful and they are quick and efficient making it easy and painless to consolidate debt. I recommend them highly.
SW
Sandra W.
Respectful and know
Quick response and very nice customer service , extremely helpful
Response from Citizens Debt ReliefOct 21, 2026
Sandra, thank you for the 5-star review! Quick responses and respectful, helpful service are at the heart of what we do, and our experienced team is glad we could make a difference for you. We're always here whenever you need us!
MI
Mr. Icon L.
Completely scam
Completely scam. Took 15k and never settled any accounts. Now avoiding refund and all communication attempts.
Response from Citizens Debt ReliefOct 14, 2026
We're sorry to hear you're unhappy. Our negotiators have reached settlements on several of your accounts, with significant savings, and we understand there are open questions about your account. A member of our team will reach out to you directly to go over everything, and you're welcome to contact us anytime.
AH
Allanna H.
UPDATE
UPDATE: WARNING!! NOT AS DESCRIBED
I was let out of my contract with Citizens Debt Relief. However, after further review it was determined that the numbers did not match. It was reported that payments were being made but once the accounts were transferred the money paid it seemed to DISAPPEAR. One account listed 676 paid in, another 472.00 just to name a couple. They received 800 dollars in payment from these two accounts also. I am starting over from scratch with all these accounts. As a single mother this is heartbreaking to experience this kind of loss of funds. I have to just be honest that I paid them for nothing. So I lost almost 5,000 dollars in fees and "payments no one can find" to Citizens Debt for services I did not receive.
I cannot recommend Citizens Debt Relief based on my personal experience.
I enrolled in the program JULY 2024 believing they would prioritize resolving my debts and negotiating with my creditors. Instead, after reviewing my account, I discovered that I paid $2,232 in fees, while only $2,100 of my funds was actually paid toward my creditors. Seeing more paid in fees than applied to my debt was extremely disappointing.
Despite making payments into the program, I continued to face collection activity, and some of my debts remained unresolved. After 2 years, only 1 account had be resolved. This left me questioning whether my financial interests were truly being prioritized.
Communication and follow-up were also frustrating. When I needed answers about my account and concerns, I did not receive the level of responsiveness I expected from a company entrusted with helping people through difficult financial situations.
If you're considering this company, I encourage you to carefully review how fees are assessed, monitor where your money is being applied, and ask detailed questions before enrolling.
This review reflects my personal experience and the information contained in my account records.
Response from Citizens Debt ReliefOct 15, 2026
Allanna, we're sorry for the frustration you've experienced and that things didn't feel clear or supported enough along the way. We take concerns like yours seriously. A member of our client services team will reach out to you directly to review what happened and help however we can. You're also welcome to contact us anytime so we can continue this conversation privately.
NM
Nancy M.
Brandon is AMAZING
Brandon is AMAZING! I feel a weight has been lifted from my shoulders and I can see an end to the stress of being in debt. Brandon replies quickly to text messages and is supportive.
Response from Citizens Debt ReliefOct 12, 2026
Thank you, Nancy! Our team is committed to being responsive and supportive, and we're thrilled you can see an end to the stress of debt.
MG
Michelle G.
Bad company full of liars & crooks.
This company is awful and full or liars. We made the bad decision to trust these people and it has hurt us so much. They rarely answer the phone and when they do, they spew lie after lie. Alex Ordonez told me my debt would be paid off within a few months of getting a loan, it definitely was not. Thomas Fischer wasn't any better. After giving this horrible company thousands of dollars, we're going to end up paying way MORE than our original debt was. Stay away from this company if you want to keep your credit score decent and so you don't end up paying more than you originally owed. Work directly with the creditors, that will work out much better in your favor.
JG
Jacqueline G.
When I first contacted this company I was greeted with a very polite individual who was willing to help me to get the best deal for my needs.
When I first contacted this company, I was told they would help me to get my financial situation straightened out. I was thankful that they are able to help me; however, with the good monthly fee, I didn’t want it to take 60 months to solve my financial problems. I also know that if the monthly for shorter months my monthly payment would be more. I am waiting to hear from Chad McDowell to discuss this situation.
VH
V H.
Brandon was very helpful in clarifying…
Brandon was very helpful in clarifying the process and made the experience far more helpful rather than degrading. I would recommend him for his positive demeanor.
Response from Citizens Debt ReliefOct 12, 2026
Thank you! Our team strives to make the process clear and positive for every client, and we're glad that came through.