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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
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Diverse service offering
Diverse service offering
Extensive geographic footprint
Extensive geographic footprint
Low minimum debt requirement
Low minimum debt requirement
Trustworthiness and stability
Trustworthiness and stability
Tetiana Sitiugina
Financial Sector Specialist and Content Strategist

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.

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

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.

Citizens Debt Relief Pros and Cons

Citizens Debt Relief Pros
Available nationwide.
Free consultation.
Flexible pricing.
Credit counseling.
Wide selection of debt relief options.
Citizens Debt Relief Cons
Pricing is not disclosed.
Minimum debt requirement is not disclosed.
Negative impact on credit score.

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
  • 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 Services

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 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.

While Citizens debt services are available nationwide, 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 Nationwide
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 Customer Experience

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

  • Website Extensiveness and 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 does include 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 5 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 5
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 Trustpilot, BBB, 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 5 years. The Citizens Debt Relief reviews seem to highlight the transparent communication, efficient processes, and successful outcomes.

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 $7,500 $7,500
Fees 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 more reliable debt settlement firms out there.

Citizens Debt Relief does offer 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.

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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