Citizens Debt Relief Avis 

The person explained the program to me. My account was set up quickly. I am very satisfied with the attention I was given. I recommend this company to anyone considering debt consolidation .

A gentleman by the name of Anthony Ortiz helped me and was actually able to find out more in regards to my issue and was very communicative I really appreciated his help thanks

Chad was understanding

Ethan was very friendly, knowledgeable, helpful..thank u!

Have been making payments to CDR for about 3 years now, & I have no idea what’s going on with my payments. The statement that I get from the payment processor says they’ve taken more in fees than they’ve paid on my debts. I still get regular notices about one of my accounts being delinquent. I’ve called, emailed, opened cases on their website, & I can’t get ahold of anyone. No one ever gets back to me. I don’t know what’s going on, but it smells like a scam to me. Will be stopping my payments if I don’t hear back.

Read the positive reviews and notice first and last names mentioned - it's a pattern that may point to the reviews being somewhat manufactured.

My experience aligns strongly with the other negative reviews. Poor/non-existent communication after I declined their loan offer for estimated settlement amounts. Attempts to negotiate essentially stopped after that, as well.

Not only did Citizens fail to handle the majority of the enrolled accounts, but they also significantly overcharged us fees which are stated in the agreement to be 25% of the original debt amount of settled accounts. Despite tireless efforts to contact customer service and being passed around to no less then four different "supervisors", we made little to no progress getting the overcharged fees returned to us. Additionally, the funds we built up were pulled out of the account we had visibility into and moved elsewhere. I believe they do this to generate additional revenue through interest bearing accounts they control.

It took a negative Trustpilot review to finally get someone engaged who genuinely seemed to want to get things straightened out. The overcharged fees would be used to pay the negotiated amounts in lump sums (yes, we were overcharged that much) and we would receive a full accounting of funds that went in and out, but only if we removed the negative review. Review removed and explicit expectations were set. A month later, it was if we never had the conversation. After much effort and complaints to state and federal consumer protection groups, we finally received confirmation that settled accounts were paid off. We are still waiting for that document detailing exactly where our money went. We believe we have suffered damages from the additional financial hardship we endured due to Citizens' poor, if not shady, handling of our account. We are currently in discussions with an attorney to determine what options we have to be made whole. We did receive acceptable outcomes on 1/3 of the accounts enrolled which is why I gave two stars.

If you're willing to take a loan out with them, you may want to consider their services and may have a better experience than I did, but I strongly advise you keep excellent records of all your conversations

I have had a positive experience with Fischer and Julia Moorehead. My accounts were resolved on a timely basis. Stayed in touch every step of the way. Was a big relief.
Cathy

Ethan is an asset to the company. He has a calm caring voice and he knows the business. Glad to have found you today!

After months of not being able to reach anyone to resolve the last of my accounts, Julia and Thomas were able to help move things forward and I am hopeful that my score will start to climb in the coming months, with the actions we discussed. Both were very helpful and professional.

Working with Paul Hyland and Citizens Debt Relief has been a truly positive experience during a stressful time in my life. From the very beginning, Paul took the time to understand my situation without judgment and clearly explained my options for debt consolidation. His communication was consistent, honest, and easy to understand, which made a complicated process feel much more manageable. I always felt like I was in good hands and that my financial well-being genuinely mattered.

Thanks to Paul and the team at Citizens Debt Relief, I now feel more in control of my finances and have a clear path forward. They helped reduce the stress and confusion I was dealing with and provided real solutions that fit my needs. I would highly recommend Paul Hyland and Citizens Debt Relief to anyone looking for trustworthy, professional support with debt consolidation.

Paul Hyland presented the debt relief program, that Citizen Debt Relief had to offer me, exceedingly well. He then answered all my questions very professionally. I felt, while talking with him, very confident that my debts were going to be handled perfectly. Thank you Paul and Citizen Debt Relief for helping me resolve my debts in a timely manner.

Sincerely,
Martin Banoczi

Great company and no problems at all.

This was the worst experience I've ever had!!! This company has taken over $4k and has not settled any of my accounts. I've made several attempts to contact a supervisor to pay off the program and i have not gotten any call backs!! There has been no resolution in over 2yrs now, They keep you in the program to charge fees without closing out any accounts. I highly recommend NOT dealing with this scam of a company!!

Truly a let down and could have done myself, just go to court when bank has court date. Negotiate than and be done. Still waiting for letter’s showing paid off. I completed my pay in 11 months ago and only 3 they had to deal with. No consistency and I am sorry lied too on who was following up and communicating back. I have never been called in 53 months, I always have to call and that is a joke. 7 case numbers with a 24 hour promised response, have heard from them. Nope again had to spend time texting and waiting.
SO DO IT YOURSELF NO NEED FOR THIRD WEAK PARTNER. I didn’t save a dime. Does anyone else think Reliant the statement company is a true joke. I wish I could call Saul on this confusing invoice/statement.

After about year and a half I went to the bank and learned they had not paid on my cards one company said they had never been contacted by them now I am sitting with a worse credit rating than when I started and a larger debt from the added interest I am 73 years old I can’t recover from this

Citizens Debt Relief is a very good company with compassionate employees who really do want to help you. They are thorough and efficient and make sure your case is well taken care of. I appreciate all they have done for me.

Mr Paul Hyland was very helpful in getting me set up on payments that was affordable on my income. Very polite.

Just started with CDR . My first payment comes out 06/01/2023 .

He was very nice to talk to he knew a lot stuff that I was concerned about. He explained everything to me that I could understand.

Citizens does not support, or doesn't seem to, transparency. I have no idea what is happening with my account since they do not send monthly statements. They said this will be done in 4 years and that's 14 months away and accounts have still not been settled. Getting a hold of them or respond to emails is difficult. They said if i made 6 months of payments that i can "graduate" early and get everything paid off, consolidation loan of sorts, but that is not true. You have to have perfect credit to get one and they tell to stop paying your debts so not sure how you can have perfect credit. I had 720 when i started this. They use a payment processor that takes fees from you and its unclear the fee schedule. I am not sure if they are doing this in good faith but you are in the program, they leave out to dry for the most part. I haven't heard from them for several months. I have my accounts and program looked at by a third party and I wont be done in 4 years like they promised. Its probably 5-6. And they word the contract with that could change based on negotiations and i still have outstanding accounts after 3 years, they are not very good. There is plenty of better, more reputable companies that can help you. If you do decide to go with them, track everything, the amounts how where your accounts go, what the amounts are, how much they were able to settle and what fees they are charging.

Update:
Well they try to get you to drop the review but then just go back to how they do business. Had talks and they tried to negotiate for me to take down the review, but they still dont communicate with you clearly. I haven't received any monthly statements or updates. So back to little to no communication. Oh and they do charge you regardless if the negotiations worked or not. They don't have to actually do any negotiations on your behalf and they will still charge you.