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Citizens Debt Relief Review

Citizens Debt Relief offers more than just debt settlement services. Starting with professional credit counseling, Citizens will make sure to create a viable plan for each client’s specific financial needs, featuring flexible payments and plentiful debt relief options.

Citizens Debt Relief
Citizens Debt Relief
Diverse service offering
Accredited member of AFCC and IAPDA
Extensive geographic footprint
Available nationwide
Low minimum debt requirement
Minimum debt required not disclosed
Tetiana Sitiugina
Financial Sector Specialist and Content Strategist

Reviewed by: Sarah Brooks, Personal Finance Writer and Editor

Fact Checked by: Thomas Brock, Chartered Financial Analyst (CFA) and a Certified Public Accountant (CPA)

If you find yourself struggling with unsecured debt, Citizens Debt Relief provides both debt consolidation and debt relief options to help you get your debt paid off once and for all. With debt consolidation, you’ll take out a loan to pay off all of your debts, and then make fixed monthly payments on your new loan. With debt relief, Citizens Debt Relief will negotiate with your creditors to resolve your debt for a lesser amount. Ranked as one of the best debt relief companies of 2022, Citizens Debt Relief can help you maximize your savings while paying off your unsecured debts.

In this Citizens Debt Relief review, we are going to take a closer look at what the company has to offer and how it can benefit those struggling financially.

Editor’s Note (Warning) 

While an honest debt relief company can help a desperate borrower out of a financial hole, the industry is filled with scammers. The truth is, under 10% of debt relief negotiations end up in success. Yet, fraudulent debt settlement firms are quick to collect advanced payments from the clients, without ever delivering the promised results. Before you know it, you might be faced with a hefty bill on top of your already significant debts.

Before searching for professional help, try negotiating with your creditor directly. In some cases, you might be able to receive a “payment holiday” that will allow you to catch up on your payments. In more serious cases, filing for bankruptcy can be an option. If all else fails, make sure to do thorough research and read customer reviews prior to hiring a debt relief company.

Summarized Rating

Services and Solutions2.5
Costs and Fees3
Customer Experience1
Trustworthiness and Stability4
User Reviews4.5

This parameter considers service offering breadth, geographic reach, and minimum debt level requirements. Each of these features was evaluated using the five-point scoring system. Then, the various scores were aggregated and averaged to establish an overall services and solutions score.

Citizens has a below average 2.5 for Services and Solutions. This reflects its limited service offering and standard minimum debt requirement.

What is Citizens Debt Relief?

Citizens Debt Relief is a New-York based debt settlement firm that has been helping everyday U.S. citizens to manage and settle their unsecured debt since 2017. The company offers a free initial consultation, during which a debt relief professional will learn more about your case and find the best course of action to get your financial problems resolved.

Citizens Debt Relief offers both debt relief plans and debt consolidation plans to customers. Both options allow you to pay off unsecured debts, or debts that are not backed by collateral. These include personal loans, credit card debts, medical bills, and private student loans.

Citizens Debt Relief Pros and Con

Citizens Debt Relief Pros
Free consultation
Flexible pricing plans
Credit counseling servsice
Wide selection of debt relief options
Citizens Debt Relief Cons
Pricing is not disclosed.
Not available in every state
Minimum debt requirement is not disclosed
Negative impact on credit score for debt relief option

Types of Debt Covered By Citizens Debt Relief

Citizens Debt Relief offers credit counseling and debt consolidation services for the following types of debt:

  • Credit card debt
  • Medical bills
  • Personal loans
  • Various types of unsecured loans

The company is also dedicated to helping clients suffering from the negative financial effects of Covid-19. The credit counseling services offered by Citizens Debt Relief can help out with virtually any type of financial struggles and provide valuable insights into your personal financial practices.

Citizens Debt Relief Service Features

Citizens Debt Relief offers much more than debt negotiation and settlement services. The company takes a unique and personalized approach to each debt case, which includes one-on-one credit counseling with licensed professionals. Regardless of your budget or the type of debt you are facing, Citizens Debt Relief can help to create a viable plan to resolve your financial burden. This can include debt consolidation, home equity line or refinance, debt resolution, and even bankruptcy.

Citizens debt services are not available in every state, and the minimum debt requirement is unknown.  The average time for relief and the average relief amount are not disclosed either.

Breadth of services offering

Wide selection of debt relief options

Financial education

Extent of Geographic Presence

Not available in every state

Minimum Debt Required

Not disclosed

Average Time for Relief

Not disclosed

Average Relief Amount

Not disclosed

Citizens Debt Relief Costs and Fees

While the goal of this Citizens Debt Relief review is to provide as much useful information as possible, the company is incredibly secretive about their fees and cancellation policy.

Most debt relief companies don’t charge any fees until they start resolving your debts. Citizens Debt Relief offers free consultations and is likely to follow the same fee structure. Plus, it advertises to offer flexible payments, but that is all we know about the costs.

Upfront Fees

Not disclosed

Settlement/Performance Fees

Flexible - exact fees not disclosed

Other Fees

Not disclosed

Cancellation Policy

Not disclosed

Money-Back Guarantee Policy

Not disclosed

Citizens Debt Relief Application Process

Applying for debt relief with Citizens Debt Relief starts out with a free consultation with a debt specialist. The specialist will take a close look at your debt amounts and determine which debts are eligible for relief. If you decide to use their services, you’ll follow these five steps toward debt resolution:

  1. Open a savings account and make monthly deposits. The amount you’ll deposit is predetermined based on your call with the debt specialist. The money that is collected in the account is what will be used to pay off your debts once Citizens Debt Relief makes an agreement with your creditors.
  2. Stop using your credit cards. An important part of debt relief involves breaking the debt cycle. In order for this program to work, you must agree to stop using your credit cards and refrain from taking out any other types of loans.
  3. Citizens Debt Relief negotiates with your creditors. Ideally, they will negotiate a much lower amount than you owe. Because you’ve been depositing money into your new savings account, Citizens Debt Relief is able to negotiate a lower payment in full to get rid of the debt for good.
  4. Continue negotiating and paying off debt. Once one debt is paid, Citizens Debt Relief will contact your next creditor to reach a resolution, all the while you are still putting monthly deposits into your savings account. This process is repeated until all of your unsecured debts are paid.
  5. Become debt free. The final step is you graduating from the program debt-free.

Citizens Debt Relief Customer Experience

Citizens Debt Relief offers a solid customer experience, but nothing out of the ordinary.

  • Website Extensiveness & Usability. The Citizens website does a good job covering the company’s services and procedures. It is professionally done and easy-to-use, but does not feature any information that is beyond necessary.
  • Expanded Call Center Support. The website does list a contact phone number and an email address for any inquiries.
  • Multi-Channel Support . Other support channels include an online chat and social media accounts like Facebook and Instagram.
  • Supplemental Support (Information & Tools). The Citizens website includes a helpful FAQ section, but no other additional tools were found.
  • Mobile Technology. Citizens Debt Relief doesn’t mention any special use of mobile technology on their website.

Citizens Debt Relief Trustworthiness and Stability

Citizens Debt Relief has several professional accreditations, which is reassuring given the company’s relatively young age of five years. As such, Citizens is a member of the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). It is also an authorized partner of Consumer Affairs.

Citizens does not disclose the total number of customers serviced or the amount of debt managed since its inception.

Years in Business


Customers Serviced / Debt Managed

Not disclosed

Certifications and Memberships

American Fair Credit Council

International Association of Professional Debt Arbitrators

Authorized partner of Consumer Affairs

Citizens Debt Relief User Reviews

Citizens Debt Relief has excellent user reviews on independent review sites like TrustpilotBBB, and Consumer Affairs. The average rating across all the three platforms is around 4.5/5, which is a magnificent achievement for a company of five years. The Citizens Debt Relief reviews seem to highlight the transparent communication, efficient processes, and successful outcomes. Positive reviewers also report the professionalism of the company and the genuine care for each individual client.

Negative reviews of Citizens Debt Relief tend to focus on the lack of effort made when it comes to settling the debt. Since each situation will vary, it’s always best to fully understand your specific plan and make sure debt settlement will be possible prior to agreeing.

Citizens Debt Relief Compared to Other Companies

As compared to other companies, Citizens Debt Relief doesn’t share much information about the specifics of their debt negotiation and settlement services. Luckily, Citizens does offer free consultations, so you can easily find out more information by picking up your phone and speaking with them directly.

Citizens Debt Relief

National Debt Relief 

Freedom Debt Relief

Minimum debt required

Not disclosed




Not disclosed

Upfront fee: None

Settlement fee: 15%-25% of original debt

Upfront fee: None Settlement fee: 18%-25% of original debt

Cancellation Policy

Not disclosed

Can cancel anytime without penalty

Can cancel within 3 days without penalty

Money-Back Guarantee Policy

Not disclosed

Not disclosed

Service fee refund if the total cost to settle the debt (with fees) is more than original debt

Average Relief Amount

Not disclosed

Reduction of 30% in original debt, after fees

Not disclosed

Final Thoughts 

As evident from this Citizens Debt Relief review, the company doesn’t readily disclose the specifics of their debt relief services. Nonetheless, numerous professional memberships and staggering customer reviews suggest that Citizens is among the more reliable debt settlement firms out there.

Citizens Debt Relief offers free phone consultations, so it wouldn’t hurt to explore their options. After all, the richness of their service menu and the advertised flexibility of payment plans suggest that you will be able to find something to suit your needs and budget and become debt-free once and for all.

Tetiana Sitiugina

Written by: Tetiana Sitiugina

Financial Sector Specialist and Content Strategist

Independent writer, content strategist, and financial sector specialist. Tatiana has an extensive experience in working with financial institutions such as Bank of Canada and Risk Management unit at FinDev Canada. She holds an MA in Financial Risk Management from the University of Toronto.

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Reviewed by: Sarah Brooks

Personal Finance Writer and Editor

Dominique Broadway is an award-winning personal finance expert. She provides advice on all areas of personal finance including student loans. Her advice has been featured in numerous publications. Dominique is committed to helping tackle the student loan crisis and helping individuals make informed financial decisions.

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Thomas Brock

Fact checked by: Thomas Brock

Chartered Financial Analyst (CFA) and a Certified Public Accountant (CPA)

Thomas is a well-rounded financial professional, with over 20 years of experience in investments, corporate finance, and accounting. He currently oversees the investment operation for a $4 billion super-regional insurance carrier, maintaining a dynamic investment policy designed to preserve capital, enhance...

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