Citizens Debt ReliefReviews of citizensdebtrelief.com

Absolute horrible experience. Said several things that never happened. In the end they had me pull a loan that didnt cover all of the debt and told me to lie to the creditor about it. So overall instead of dropping the amount of debt they said in the beginning they raised my debt after 15 months to almost 15,000 more than what we originally signed. I tried to cancel and they pushed through three more "negotiations" which were what I was offered as settlements by mail and then on top they took their commissions for not doing a fu**ing think.. This company is worthless and a complete scam.. Now we have more debt, our credit is completely ruined, they took money for shit negotiations that were worse than what I was offered and stuck me with another loan for 600 more per month than what I was paying. I hope the company gets sued, would gladly join the lawsuit. NOW, I have a law firm representing me from all the lies and potential lawsuits they bestowed upon me and my family for their false scams and unethical business practices.

THIS IS A SCAM PROMISES PROMISES AND QUOTES ALL LIES I WANTED OUT OF THIS MESS AND NOW THEY WILL NOT RETURN MY MONEY. THEY HAVE NOT DONE ANY NEGOTIATING AT ALL. VERY DISAPPOINTED WITH THIS COMPANY. BEWARE OF LIES AND PROMISES. TODD STEINHAUS YOU REALLY SHOWED YOUR TRUE COLORS NOT RESPONDING TO MY EMAILS OR TAKING MY CALLS. I JUST WANT MY MONEY BACK . IS THIS HOW YOUR COMPANY MAKES MONEY BY STEALING IT WITH YOUR CUSTOMERS.

The agent that responded to my call addressed to all my questions and concerns and was very informative.

I've been requesting follow ups for some time. I'm not getting any responses. I was sent to collections. I asked if I have to apply to their loan company to complete the debt reduction. No answers. No one will answer a phone, an email, or a chat message.

I was very skeptical about signing up for any program like this, but Todd Steinway was very patient, friendly and knowledgeable. He helped to ease my fears and doubts and made me feel comfortable and confident enough to move forward. I am looking forward to working with CDR and being able to sleep again at night.

Citizens Debt Relief has been a professional and supportive company to work with. Being in debt is incredibly anxiety-inducing, and from the start, the team has been knowledgeable and transparent about the process. I’ve seen a lot of negative reviews, but that has not been my experience. Is it sometimes difficult to get in touch? Yes. However, I have always received a response within 24 hours—whether by text, email, or phone. I also think it’s important to say that as the customer, you need to be proactive and take the time to understand how the process works. This is not a quick fix. Your credit score will drop, and during that time, it’s on you to stay informed, monitor your credit, and communicate with the representatives so you fully understand what’s happening. One thing I appreciate is the people. I’ve asked multiple reps why they do this work, and every answer has centered on helping people—especially helping them save money and regain control in the long run. That consistency matters. I’m about halfway through the program and came in with a significant amount of debt due to divorce, back taxes, and honestly, not taking the time earlier in life to fully understand and manage my finances. I’ve used this experience as a learning opportunity, asked a lot of questions, and every rep I’ve spoken with has been forthcoming, patient, and helpful. Regarding LendingUSA: yes, you may be asked to take out a loan, but that loan is used to settle existing debts, with funds going directly to creditors. Once your credit improves, you have the option to refinance. This process really is a chess game—you can’t just sign a contract and expect someone else to do everything for you. You have to stay engaged. Overall, I appreciate the support I’ve received. Every representative I’ve worked with has been professional, caring, and willing to take the time to answer my questions.

I don’t want to waste too much time on this because I’ve already wasted so much of my time trying to get answers but in a nutshell they are VERY poor at communication. Maybe 10-20% of the time you get an email response, to get any kind of updates on your account you have to call them (which shouldn’t be the case) but the phone line is always busy, and then if you are needing answers the representative (if you finally get one) can’t answer you never get a follow up from whomever they contacted to reach out. I could go on with a few other things but lack of communication and follow up has been the most frustrating experience so far and again I don’t want to waste more time writing a super long review.

Today I finally reviewed all of our activities on Reliantpayment.com, everything is going according to CDR representations, I should be debt free in 12 months. I had the hardest time trying to get through the web site, but the payment portal explains it all. Thank you for helping me obtain my milestones. GB.