SCAM! Whatever you do, do not use Citizens Debt Relief
Whatever you do, do not use Citizens Debt Relief. They are a scam. You can do better negotiating with your creditors on your own. If you absolutely need someone to represent you find a local lawyer that deals with debt issues. A lawyer will be cheaper!. I wish we had done this but didn’t know we could go that route at the time. Here’s how they work(or didn’t work): I gave them 3 creditors to negotiate with( $26k of total debt). They said they would negotiate them down to $19k total for which I would start paying $471/mo right away to build up funds. After 16mo I learned through my creditors that Citizens had made zero effort to negotiate or even contact them. On top of that, I negotiated directly with my creditors down to $13k on my own. When I told Citizens about this they didn’t know what to say except that I would still have to pay the $19k. Why would I pay $6k more than I needed to for your service I replied. This went on for a while(weeks) cause I was unable to get in touch with anyone at Citizens. (Once you question their process they will no longer answer your calls). In the mean time we received a court summons from a creditor, which would likely put our home ownership in jeopardy. So I closed my Citizens account(took 3 weeks to do something that takes them 5min cause no one would answer my calls), and demanded back my money that’s supposed to be sitting in an escrow account. They told me it would take 20-30 business days to refund me. It’s been 29-32 business days depending on which holidays they count and no funds yet. As a matter of fact my wife and I have called them at least 5x a week in the last 4weeks and not one call was answered, voicemail returned, or email replied to. They will take advantage of you in your time of need, if they actually negotiate for you may pay a little less on you debt but you’ll save a whole lot more money and time negotiating with your creditors yourself. They have made our situation a lot worse. Now we’re fighting for our home. They could care less.