Citizens Debt Relief (www.citizensdebtrelief.com) has a 4.0 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 22% of reviews are 1 star, a relatively high share; The business has replied to 23% of negative reviews; 75 of them were added in the last 12 months. Last updated 2026-08-30.
What reviewers say
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Reviewers had a great experience with this company. Customers frequently praise the helpful and knowledgeable staff for guiding them through the debt relief process with incredible patience and very clear explanations. People deeply appreciate the supportive customer service, noting that representatives make them feel truly comfortable and confident during extremely stressful financial times.
However, some reviewers were not happy with the communication and support, mentioning ongoing difficulties in reaching anyone via phone or email for assistance. A few other people also felt that the overall debt settlement process did not meet expectations, pointing out persistent issues with accounts and a lack of follow-up.
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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.
This was the worst experience I ever had. Can't get anyone - even a supervisor (Theresa) to return my phone calls and settle my account. I tried calling, texting, messaging, and even emailing customer service to help me resolve my debts. So I closed my account with Citizens Debt Relief. I believe I should have been issued a refund but no one even thought to call me back. I feel like this business is very shady and I am very, very upset with them. I even reported this company to the Better Business Bureau. DO NOT DO BUSINESS WITH THIS COMPANY!!!!! I totally regret it. I went with a more established, recognized and better debt consolidation company.
Ethan was great! Very pleasant and easy to work with! He answered my questions and made sure I was good with everything. I’m so glad I found Citizens, a major weight has been lifted off my shoulders!!!!
Always there and open when i have questions . They keep me informed so I’m always on top of my account. If i’m not sure of anything they are right on it to explain everything thoroughly to me . Very happy so far!
I just wrote on google but had to come here and say something cause I am on cloud 9 right now ! Brandon turner was honestly one of the best customer services I have ever spoken to. He explained everything so well he made it very easy to understand and all in all it was just a very easy conversation and to be able to get my debt relief is just amazing thank you so much, Brandon looking forward to getting my life back you’re amazing
One card down, and four to go! Citizen’s is working. Slow and steady. Be patient, and know they are on your side. Special shout out to Obeb! You’re the best! I appreciate working with you!
Jason was absolutely a professional! I was very hesitant to sign up for a debt management program. But through his knowledge and professionalism he explained every step in detail. He was able to get me on board to my road to financial freedom.
My is Mon burgos I need help with debt relief. I had an operation on my throat an I'm unable to talk but I can text. I have medical bills an taxes problem if you can help please text me at 646-956-0717 thank you.
If it wasn’t for Cole Connell I’d be in a world of credit and loan war. I wished more companies hired more qualified professionals as he is!!! Anything I send to him that I question, I have an immediate response with credible advice and answers. Thank you, sir!
CDR gathered my information about creditors, and began reaching out to them on my behalf. They've submitted the payments that I've sent, and really, made the entire process pretty simple. When I've had questions, I've called and they've always been quick to respond and provide the information that I need.
Highly recommend.
This Company is the worst Signed up for them to help with my Cridit they faithfully took funds from my account with no problem 10 months to be exact after the 6th month they were not helping me just holding my money in in their account then they lied to me and said they were going into court never happened for one of my accounts they owe me $2,5008.03 every time I call no one answers my calls they keep giving me the run around your money will be refunded in your account and I did it at a proper time I feel like they are predators and they pray on people then they want you to open up another loan I closed my account with them in a timely manner once I seen they were not BBB affiliated the girl on the line keeps telling me over and over your money will be refunded on Friday never happens this is a sad situation when they pray on people that needs help I will not give up I want my refund they took out $278 for 10 months out of my account and I canceled at the fourth month then they tell me they went into court to settle with portfolio recovers recoveries which never happened
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