Citizen Debt Services
3.58/5.0
Scarlett Baker
2/5.0
16, Aug 2025
Expectations not met
I was hopeful at first, but the reality didn?t match what I was told. My credit dropped fast, and support barely responded when I needed help. One debt was settled, but the others lagged behind. I left feeling like I could?ve handled it better on my own. Very little peace of mind was offered during the process.
Caleb Green
2/5.0
09, Aug 2025
The waiting was unbearable
It took over four months for a single update. In the meantime, my credit dropped and collectors kept calling. The dashboard never changed. Even after the first settlement, I wasn?t notified?it just showed up. The stress outweighed the benefits. Better tracking and client communication would have helped ease the mental strain.
Evelyn Stone
3/5.0
06, Aug 2025
Could be better with follow-ups
Settlements happened, but I had to reach out constantly for any kind of update. The dashboard didn?t provide details, and one creditor claimed no contact from the company. I passed that message along, but I don?t know if it helped. The service was decent but needs proactive and consistent communication to be truly helpful.
Harper Young
1/5.0
18, Jul 2025
No follow-through on promises
Promises made during sign-up were never followed through. I got vague answers and often no response. One creditor took legal action during this time, and the company responded far too late. While the debt was eventually settled, the stress and damage were already done. This program lacked accountability and solid communication.
Ivy Brooks
3/5.0
17, Jul 2025
Mixed results and long wait times
The program delivered some results, but after long waits and vague status updates. Communication dropped off soon after onboarding. The dashboard lacked useful info. They settled two accounts, but the uncertainty and constant check-ins I had to make made it feel like a guessing game. They could improve this with more regular, honest updates.
Hugo Price
2/5.0
07, Jul 2025
Constant confusion and mixed messages
Conflicting information from different agents made the process confusing. Email updates never came, and I had to resend documents multiple times. Reps were polite but inconsistent. One settlement came through, but the others stagnated. I eventually dropped out due to frustration. There was no clear structure or dependable guidance throughout the program.
Beatrice Gray
3/5.0
05, Jul 2025
Some results, but high stress
They settled some of my debt, but the silence between updates was stressful. The dashboard was vague. I had to follow up constantly to get any information. One of my settlements was almost missed due to late paperwork. While I saved money overall, the lack of transparency and proactive support made the experience more difficult than it should?ve been.
Milo Foster
1/5.0
30, Jun 2025
Very poor timeline estimates
I was told to expect results within 2?4 months, but it took nearly eight. No updates appeared in the portal, and I was constantly in the dark. After months, I still hadn?t seen progress and had paid thousands in. One settlement finally came, but the real timelines were never shared honestly. This lack of transparency made the whole process frustrating.
Eliza Long
3/5.0
16, Jun 2025
Needed more communication throughout
The program worked to reduce some of my debt, but updates were rare. I had to re-explain my case every time I called. There was a mistake that nearly led to legal action. They did settle part of my debt, but I felt like I had to manage everything myself. The lack of clear support made this much harder than necessary.
Oscar Powell
2/5.0
22, May 2025
Felt misled from the beginning
The initial onboarding seemed promising, but communication stopped soon after. Months went by without updates, and I had to chase down answers. One account was mishandled and went to collections. The portal gave no real-time progress. Though polite, reps gave vague answers. A settlement did happen eventually, but way later and for less than expected. Wouldn?t go through this again.
Maisie Ross
3/5.0
20, May 2025
Works, but not stress-free
Citizen Debt Services helped reduce my credit card debt, but it came with a lot of confusion and stress. The timeline they gave me was off by several months. I understand some accounts take longer to settle, but I wasn?t kept in the loop. I had to contact them multiple times for updates that should have come automatically. I also didn?t like that settlement offers came with very little time to review. Felt rushed. The customer service team was respectful, but the process could be managed way better. Eventually, they did settle three of my five accounts, and I paid less overall. That part helped. Still, I wouldn?t recommend them to someone who needs a lot of hand-holding or reassurance. You have to be really involved, and that?s hard when you?re already dealing with financial anxiety. It?s a useful service, but it?s not smooth or stress-free like I thought it would be.
Calvin Sanders
2/5.0
29, Apr 2025
Felt like I was on my own
After the initial call, everything slowed down. I had no clue what was happening most of the time. I emailed, called, and sometimes didn?t hear back for days. The portal wasn?t updated regularly, which just made things worse. I was told I?d see settlements within a few months?mine took eight. I did get results in the end, and I?m thankful for that. But the stress of not knowing made the whole thing harder. I felt like I had to manage the process myself. If they just communicated better, it could?ve been a much smoother experience. They clearly have the tools and knowledge, but the follow-through isn?t strong. For something this important, you need better support. They helped, but not without making me feel like I was constantly chasing answers. If I had to do it again, I?m not sure I?d choose them.
Freya Rivera
3/5.0
28, Apr 2025
Progress was too slow
I knew debt settlement takes time, but this felt way longer than it should?ve been. I made payments into the trust account for five months before anything was even mentioned about a settlement. That made me anxious. They say you have to build up funds, but why not keep clients more updated? I kept checking the portal and nothing changed for weeks. I did get results in the end?two accounts were settled for decent amounts?but the waiting made it hard to stay hopeful. Also, I had to approve settlements fast or risk delays, which added pressure. I don?t think the reps did a bad job; they were nice when I talked to them. But I wish they were more proactive instead of waiting for me to call. There?s definitely room for improvement. If you don?t mind long waits, it might be okay, but I needed more structure.
Jude Griffin
2/5.0
26, Apr 2025
Not enough support
Once you?re signed up, it?s like they disappear. I got a few emails at the start, but then it felt like I was left on my own. I wasn?t sure how to track progress, and when I called, I got different answers depending on who I talked to. My portal didn?t update often and looked outdated. I had one good experience with a rep who explained a settlement in detail?but after that, I never heard from her again. Settlements happened, yes, but I had no confidence in the process. It felt disorganized and way too passive for something so serious. If you need structure, this program might not work for you. It helps reduce debt, but doesn?t offer enough guidance along the way. I ended up doing a lot of research myself just to understand what was going on. Not what I expected for the money I paid them.
Sylvie Murphy
3/5.0
14, Apr 2025
Misleading expectations on timeline
The person I first spoke to made the process sound smooth and fast. But that wasn?t the case at all. I didn?t see any progress for the first five months. When I asked, they told me this was ?normal.? I wish they had set more realistic expectations from the beginning. I felt like they sold me on one idea and delivered another. The program did reduce my debt, but not as quickly or dramatically as they made it sound. I had to keep calling in just to get information, and at times it seemed like they forgot about my file. Eventually things moved forward and three of my accounts got settled. But by then, my credit was badly hit, and I was already stressed from waiting so long. The idea is good, but their execution needs to be way more transparent. Be careful and ask lots of questions before you sign.
Otis Bell
2/5.0
13, Apr 2025
Felt abandoned after signing up
The first week after signing up, everything seemed fine. I got a welcome email, someone called to go over my accounts, and they explained the trust account setup. Then... nothing. For almost two months. I had no idea what was going on. I kept making deposits but didn?t see any updates or hear from anyone. I started to panic and called their support line, but couldn?t get a straight answer. When I finally got through, they said they were ?in negotiations.? That should?ve been told to me earlier. It felt like I was left in the dark. Eventually, two creditors did settle, and the results weren?t bad. But that kind of delay with zero communication isn?t okay. People in financial stress need reassurance, not silence. I wish they would?ve just checked in once in a while. That would?ve made a big difference. They need to fix their follow-up system badly.
Wren Coleman
3/5.0
12, Apr 2025
Some results, but frustrating journey
I got a couple of my accounts settled and ended up paying less overall, so in that sense, it worked. But the experience wasn?t great. There were too many gaps in communication and a lack of clear timelines. They kept saying ?we?re working on it,? but I wanted specific updates and never really got them. I also didn?t like that I had to approve settlements with very short notice?they?d email me and expect a response within hours, and if I missed it, things got delayed. I understand this is part of the debt settlement process, but they could?ve handled it better. I wish the customer service team was more proactive instead of reactive. It felt like I had to babysit the process at times. The portal was useful, but not always accurate. For the money I paid, I expected more clarity and consistent service. Would only recommend if you?re really out of options.
August Sullivan
2/5.0
11, Apr 2025
Long wait times and unclear updates
The staff was polite, but the wait times were unacceptable. I was told to expect results in a few months, but I didn?t hear anything for the first four. I emailed twice and called several times before I finally got someone to update me. Turns out, my account had been active but nothing was happening due to a backlog. That should have been communicated. When settlements finally came, they weren?t as much of a savings as I expected. I still had to pay quite a bit, and the fees weren?t fully explained at the start. It feels like they wanted me to just keep paying into the trust account without giving me a clear idea of how things were moving. The program does reduce debt, but it?s not as transparent or fast as they make it sound. I?m still waiting for my last account to settle and it?s been over a year.
June Perry
3/5.0
06, Apr 2025
Communication was not reliable
I had high hopes based on reviews I saw, but my experience wasn?t smooth. The biggest issue was lack of communication. They told me I?d get regular updates, but weeks went by with nothing. I had to call in multiple times to get basic info. Each time, I spoke with a different person who didn?t seem familiar with my file. The trust account part made sense, but I didn?t feel confident in how my money was being managed. I did end up with two settlements, and they did reduce my balances, but it was a stressful process. Honestly, the lack of consistency made me question if they were even working on my case. When I pushed, they did get things moving, but I shouldn?t have had to. Not a scam, but definitely not as polished or professional as I hoped. They need to improve follow-through and client updates badly.
Felix Alexander
2/5.0
04, Apr 2025
Took forever to see any progress
I signed up thinking this would be a faster process, but it took nearly six months to get my first settlement. That?s a long time when you?re struggling with debt and getting collection calls every week. The reps were friendly enough, but the communication was all over the place. Sometimes I?d go weeks without an update. The portal didn?t always show accurate info either. It left me feeling confused and anxious. I did eventually get two accounts settled, but it wasn?t the relief I was hoping for. The credit score drop hit hard, and I didn?t feel supported through it. I wish they were clearer upfront about how long everything really takes. If you?re thinking about going this route, just know it?s not a quick fix. You?ll need a lot of patience?and time.
Audrey Jenkins
3/5.0
25, Mar 2025
Decent but slow process
The program worked overall, but it wasn?t smooth. I had to fix a few errors myself and call them to confirm updates.
Sawyer Howard
2/5.0
24, Mar 2025
Reps kept changing
Every time I called, I got someone new. Hard to build trust when you?re always speaking to a different person.
Isla Patterson
3/5.0
16, Mar 2025
Some success, lots of waiting
They helped reduce my debt, but the timeline was longer than promised. Good outcome, but frustrating process.
Declan Morgan
2/5.0
09, Mar 2025
Frustrating delays
First few months felt like a waste. No contact, no updates. Then suddenly they got a settlement. Not consistent.
Stella Kim
3/5.0
26, Jan 2025
Needs clearer timelines
I wasn?t told how long things would take. Some settlements took 5 months or more. Would?ve been better with more transparency.
Mason White
2/5.0
20, Jan 2025
Not for impatient people
Be prepared to wait. A lot. If you want fast results, this isn?t it. I saw no activity for months.
Willow Kowalski
3/5.0
11, Jan 2025
Works if you chase them
The system can work, but you have to stay on top of them. Not hands-off. I expected more guidance without constant follow-ups.
Silas Goel
2/5.0
14, Dec 2024
Felt left in the dark
I didn?t hear anything for two months after enrollment. Not a good first impression. Had to keep calling for updates.
Penelope Nielsen
3/5.0
07, Dec 2024
Some good, some bad
Three accounts settled, but the fourth one dragged on for nearly a year. Mixed results. Hard to recommend fully.
Leo Dhawan
2/5.0
06, Dec 2024
Needs better support
I got results, but the stress of not knowing what was going on made it harder. Better communication would fix a lot.
Aurora Bell
3/5.0
04, Dec 2024
Results came, but late
It?s not a scam, but it sure isn?t quick. I was frustrated with how long it took to get one creditor to agree.
Theodore Abraham
2/5.0
24, Nov 2024
Missed expectations
I signed up thinking results would come in 3?4 months. It took 8 before anything happened. Not what I was told.
Eleanor Costa
3/5.0
12, Nov 2024
Inconsistent follow-up
One rep was amazing, the next barely returned my calls. No consistency. Felt like I had to explain my case all over again.
Jasper Ahuja
2/5.0
25, Oct 2024
Portal is confusing
I had trouble navigating the online dashboard. It wasn?t clear when settlements were finalized or how much was paid.
Lucy Ndiaye
3/5.0
11, Oct 2024
Settled debt, but slow
The program does work if you're patient. That said, my first settlement took too long. Wish they moved faster.
Finn Bhatia
2/5.0
30, Sep 2024
Unexpected credit impact
I knew credit would drop, but didn?t expect it to hurt this much. Felt like I was set back before seeing results.
Clara Svensson
3/5.0
28, Sep 2024
It?s ok but needs work
Some accounts got settled, but others dragged on. Support was nice, just not always helpful. They need better systems to track everything.
Milo Mehra
2/5.0
25, Sep 2024
Delays with updates
I didn?t mind waiting, but they weren?t clear about timelines. My account dashboard didn?t update for weeks and caused confusion.
Violet Schmitz
3/5.0
24, Sep 2024
So-so communication
The program worked, but I had to chase them for updates. Emails sometimes went unanswered. It shouldn?t be that hard to get a callback.
Asher Majumdar
2/5.0
21, Sep 2024
Not what I expected
The process was way slower than I was told. First settlement didn?t happen until month six. Felt like I was just sending money without progress for too long.
Nora Olsen
5/5.0
19, Sep 2024
Honest service during a hard time
After my divorce, I was left with more debt than I could manage on my own. I tried juggling minimum payments but got nowhere. When I contacted Citizen Debt Services, they were upfront about everything?no false hope, just facts. They explained that it would take time and my credit would dip at first, but the long-term benefits were worth it. That honesty really mattered to me. The first settlement took about three months, and after that, the others followed. They saved me thousands on interest and helped reduce the balances significantly. I especially appreciated the personalized service?someone always followed up, and I wasn?t just a number in a system. Their dashboard showed all progress clearly. One time there was a delay with a document upload, but it was resolved quickly. Thanks to them, I?m almost out of debt and finally starting to rebuild with confidence.
Wyatt Kulkarni
5/5.0
01, Sep 2024
The help I didn?t know I needed
I had been ignoring my debt for a while, thinking I?d figure it out somehow. It just kept getting worse. One day I stumbled on Citizen Debt Services and decided to give them a call. That conversation changed everything. They explained the program clearly and gave me space to decide without pushing. After enrolling, they started working on my accounts right away. First settlement came in about 90 days. I was nervous, but they helped me understand every step. They were honest about the downsides?credit score drops, collection calls?but it was better than staying stuck. By month ten, most of my accounts were resolved. The amount I saved was more than I thought possible. I?ve learned so much from them?not just about debt, but budgeting, planning, and staying organized. If you're serious about getting out of debt and ready to follow a plan, they?re an incredible resource.
Alice Dubois
4/5.0
30, Aug 2024
Not perfect, but worth it
My experience wasn?t flawless, but I?m glad I went with them. The sign-up process was easy, and they were upfront about how things work. I knew my credit might take a hit, and it did for a few months. The trust account setup took about two weeks, and the first settlement didn?t happen until month four. Still, I saved over $6,000 across three accounts. Their customer service team was usually responsive, though I did get transferred a few times when I called. The portal wasn?t always up to date, but once I asked, they fixed it. What I appreciated most was the transparency. They explained every fee, every timeline, and never gave false hope. You need patience to go through this, but if you stick to the plan, it works. The peace of mind alone has been worth it. I finally feel like I?m getting control of my financial future.
Nathan Verma
5/5.0
15, Aug 2024
A real long-term solution
After years of making minimum payments and watching balances grow, I needed something different. Citizen Debt Services gave me a long-term strategy?not just a quick fix. The process takes commitment, but it works. I enrolled six accounts and, over a year and a half, all of them were settled. I saved thousands. What I really appreciated was that they always kept me in control?I approved every deal, and they explained each term clearly. The team responded to my questions quickly, and I always felt like I knew what was happening. The dashboard was helpful, and I loved seeing the progress laid out. I never felt pressured. They even helped me budget better and avoid falling back into old habits. I used to be up all night worrying about money, and now I can sleep again. This program helped me not just financially, but mentally and emotionally too.
Ruby O'Connell
4/5.0
14, Aug 2024
Respectful service that delivers
What made me trust them was how respectful they were from the beginning. No scare tactics or unrealistic promises?just a clear explanation of how debt settlement works. I had four accounts, and they told me upfront it could take 12?18 months. So far, they?ve settled three, with real savings. Their updates are pretty regular, though I had to call in twice for clarification on one deal. Still, the reps were always polite and walked me through everything. I was scared at first because I knew my credit would dip, but it?s already started recovering now that debts are closing. I?d say this program takes patience more than anything. It?s not for someone looking for instant results. But if you want an honest way to handle debt without going bankrupt, they?re a solid choice. They made a stressful process feel manageable and never made me feel ashamed of needing help.
Isaac Srinivasan
5/5.0
01, Aug 2024
They gave me hope again
Being behind on payments made me feel like I had no options left. I had tried talking to creditors on my own, but it always led nowhere. Then I found Citizen Debt Services. They explained every part of the program before I agreed to anything. I liked that they didn?t ask for upfront fees. They set up a trust account and started negotiating. First deal came through after a few months, and it was better than I expected. The calls and updates helped me stay calm during a stressful time. My credit score dipped, like they said it would, but honestly, getting out of debt was more important. Over the next year, most of my enrolled accounts were resolved. It feels amazing to finally be on top of things again. I can?t say enough how grateful I am for their support and the realistic way they approached my situation.
Hazel Davies
5/5.0
30, Jul 2024
Patient and reliable support
I was scared of being judged for my financial mess, but the team at Citizen never made me feel that way. They were patient and walked me through the process in detail. I asked the same questions more than once, and they always answered kindly. Once I got set up, things started to move slowly but steadily. First settlement took about 5 months, but then they kept rolling in. I?ve now resolved all four of my enrolled accounts. I loved that they checked with me before accepting any offers and always showed me the details first. The dashboard made tracking progress easy. I wish I?d known about them earlier?it would have saved me a lot of stress. The fees are fair for what they do, and there were no surprises. If you stick with it, the system really works. They?ve earned my respect and appreciation.
Gabriel Kaur
3/5.0
20, Jul 2024
So-so experience, still helped
Not everything went perfect, but they got the job done. It took 6 months for the first account to settle, which was longer than I wanted. Had a little trouble gettin ahold of someone one week, but eventually got through. My credit score did drop, like they said might happen. But by the end of the year, three of my five accounts were done. They saved me a few thousand dollars total. Would?ve liked more updates and a quicker pace, but it worked. I?d say if you?re in serious debt and don?t want to file bankruptcy, this is a fair option. They don?t rush you or pressure you.
Stella Goldberg
5/5.0
17, Jul 2024
Professional, no pressure, and effective
From the first phone call, I felt like they knew what they were doing. They didn?t push me into anything. I took a week to think about it, and they respected that. Once I signed up, I got a clear breakdown of the fees and process. I enrolled six accounts and over time, they?ve settled five of them. The savings were substantial. One creditor settled for 30% of what I owed. I had full access to the portal to track progress. Their team reached out with regular updates and answered my emails quickly. I only had one minor tech issue, but it was fixed within a day. What made the biggest impact was that I finally stopped feeling helpless. Now I feel like I?m back in control of my money, and I?ve even started saving again. I tell anyone dealing with debt to at least give this a look.
Owen Puri
4/5.0
15, Jul 2024
Took time, but results came
My experience with Citizen Debt Services started a bit rocky. I wasn?t sure how the trust account worked, and the first few months felt like nothing was happening. But around month five, the first settlement came through. After that, the others started to fall in place. I had four credit cards enrolled, and three of them are now fully resolved. The last one is still in progress. I was happy that they always asked me to approve settlements before finalizing them. Customer service was helpful most of the time, though once I had to call twice to get an answer. They were always respectful, even when I was anxious. The online portal helped me keep track, but I wish it updated faster. This isn?t a quick process, but it?s an effective one. I would recommend them to others who want something realistic?not fast, but honest.
Scarlett Sowah
5/5.0
11, Jul 2024
Life feels manageable again
I was drowning in $35K of credit card debt. Minimum payments weren?t making a dent. I found Citizen Debt Services online and set up a consultation. They didn?t sugarcoat anything. They explained the potential risks, including the temporary credit score drop. I appreciated the honesty. Once I enrolled, they set up a trust account and started negotiating. It took about four months for the first account to settle. Over the next year, three more were closed out at reduced amounts. They always sent notifications before each settlement so I could approve or decline. That gave me some control in the process. What I liked most is that I didn?t feel judged. The reps were calm and patient, even when I was stressed. I?m not fully out of debt yet, but I?m getting there?one step at a time. This company helped me reclaim some peace of mind.
Caleb Setty
4/5.0
22, Jun 2024
They helped when others wouldn?t
After losing my job, I fell behind on everything. I reached out to multiple debt relief companies, but most turned me away because of the type of debt I had. Citizen Debt Services actually took the time to understand my situation. They explained that not all debts could be settled but still helped me with the ones that could. The onboarding process was simple, and they sent reminders so I wouldn?t miss deposits. The first settlement took a few months, but the rest followed quickly. I liked being able to log into my portal and check on things myself. The customer service wasn?t always super fast, but they were polite and answered my questions. This isn?t a magic fix, but it?s a solid option for people like me who just need a bit of breathing room. My credit score dropped a bit but started rising again after settlements.
Zoe Mancini
5/5.0
05, Jun 2024
Changed my financial life
If you'd asked me a year ago if I thought I'd be debt-free, I would've laughed. But here I am, down to one last account thanks to Citizen Debt Services. I started out skeptical. Their team didn?t promise miracles, which I appreciated. They told me it?d take time, and it did?over a year?but it worked. They negotiated with creditors one by one. Some were easier than others. I saved over 50% on several balances. Their support team always kept me informed. What stood out was how human they were?no pressure, no shame, just help. The online dashboard could use a better layout, and once, there was a delay in updating my account. But overall, I had a smooth experience. I learned how to manage my money better and finally sleep without stressing over bills. This program helped me break a cycle I?d been stuck in for years.
Nathan Choudhury
4/5.0
14, Apr 2024
A calm voice when I needed it
When you're deep in debt, most companies make you feel worse. Citizen Debt Services didn?t. They took the time to explain everything and never rushed me. I had a lot of questions at first, and they always answered them with patience. The trust account setup was explained well, and I felt like I had a clear roadmap from the beginning. It took almost seven months for my first account to be settled, but after that, more followed. I had five accounts total, and four are now done. One creditor was tough to work with, but Citizen stayed on it. I always felt informed. I do wish they had a faster way to send updates?sometimes the portal didn?t show new settlements right away. Still, they helped me avoid bankruptcy and gave me a second chance. I?m not out of the woods yet, but I see light ahead now.
Layla Gauthier
5/5.0
24, Mar 2024
Finally got real help with debt
Before working with Citizen Debt Services, I had almost given up. I was juggling five credit cards and a personal loan with high interest rates. I didn?t know where to turn until a friend mentioned them. From the start, they were kind, informative, and realistic. They explained the debt settlement process thoroughly and didn?t make false promises. Yes, it takes time. You have to be patient and stay committed to the program. But slowly, creditors started agreeing to settlements?some of them way lower than I thought possible. I went from making minimum payments and getting nowhere to having a real plan with progress I could see. The online portal shows every update. I also liked that the fees were explained clearly?no surprises. Customer service has always responded when I needed help. Now I?m almost done with the program and feel like I can breathe again.
Ryan Malick
5/5.0
20, Mar 2024
Happy I chose them
From day one, they were respectful and didn?t pressure me. Everything was done at my pace. They helped me save money and rebuild slowly. I had a few credit cards that were way past due, but they negotiated reasonable settlements. I?m feeling more stable now, and that?s thanks to the team who stuck with me.
Madison Wagner
3/5.0
17, Mar 2024
Could be better organized
The service helped me lower my debts, but there were times I wasn?t sure what was going on. The portal didn?t always show updates, and I had to call for clarification. Still, they did settle three of my accounts and save me money. Overall, I?m satisfied?but they could communicate better.
Anthony Varghese
5/5.0
14, Mar 2024
More than just a company
They made me feel like a person, not a number. Every question I had was answered with patience, even if I asked it twice. Their system takes time, but if you follow it, it works. I?ve recommended it to my sister too. My debt situation isn?t gone yet, but now I have a real plan.
Sarah Kouassi
4/5.0
11, Mar 2024
Realistic expectations, good results
They were honest from the start?this process takes time. I liked that. They didn?t try to sell me on quick fixes. I?m six months in and already settled with two of my biggest creditors. Some communication delays, but the results are worth it. It?s not perfect, but I?ve saved a lot and feel supported.
Joshua Saxena
5/5.0
02, Mar 2024
Exactly what I needed
I was skeptical at first because it sounded too good to be true. But after doing my own research, I gave them a try. The first settlement took four months, and then things picked up. They helped me get my total debt down by nearly 50%. I feel relieved and more in control than I have in years.
Hannah Rossi
4/5.0
27, Feb 2024
Gave me options
What I appreciated most was they didn?t force me into anything. They laid out different approaches to deal with my debt and explained pros and cons. I chose debt settlement and started saving. The settlements came through as promised, and I was never hit with surprise charges. Their online dashboard could be improved but it works fine overall.
Christopher Bajaj
5/5.0
10, Feb 2024
Good fit for me
I'm not great with money, so I needed help organizing everything. Citizen Debt Services made it easy to stay on track. They sent reminders, followed up regularly, and gave advice that made sense. There were a few small issues with paperwork delays, but they handled it professionally. I?ve made serious progress thanks to them.
Eleanor Mbebe
4/5.0
08, Feb 2024
Consistent results over time
At first, I wasn?t sure the program was doing anything. But by month five, I started seeing real results. Two major credit card accounts settled within six months. The staff were always polite, and they never rushed me. It does require trust and patience, but I?m glad I gave it time to work.
Andrew Krishnan
5/5.0
23, Jan 2024
They really listen
What stood out most was how much they actually listened to what I needed. They didn?t try to push a one-size-fits-all solution. My situation was complicated, and they took time to understand. The plan they made worked for me. I appreciated their respect and patience, especially when I had a lot of doubts early on.
Lily Rodriguez
3/5.0
11, Jan 2024
Worked, but slow
They did what they said, but it took way longer than I hoped. Customer service was nice, but sometimes hard to reach. I had to call a few times for updates. The settlements I got were decent, though, and my payments are much lower now. I just wish the communication was more consistent.
Michael Rao
5/5.0
10, Jan 2024
Helped me avoid bankruptcy
I was close to filing bankruptcy but found this option instead. They walked me through the process and made sure I understood what I was signing. The first few months felt slow, but after that, things started to fall into place. I settled five accounts. My monthly payments dropped, and I can finally see a light at the end.
Natalie Popov
4/5.0
09, Jan 2024
Less stress every month
Before I found Citizen, I was drowning in interest. Now I?m finally catching up. The process was detailed but not hard to follow. One settlement took longer than the others, but I appreciated how they kept me in the loop. I liked that there were no hidden fees. Everything was explained and documented. My account portal made tracking easy.
David Bhatt
5/5.0
26, Dec 2023
Clear expectations, solid results
The thing I liked most was that they didn?t overpromise. They were honest about what could happen and what might not. It took time, but my debts were negotiated down. My credit score took a hit, which they warned me about, but I?m in a better place now. They?re professional and communicative. No fake guarantees?just real help.
Victoria Sanchez
4/5.0
22, Dec 2023
Reassuring from the start
I didn?t know what to expect going into this, but the staff made it easy to understand. They answered all my questions and laid out a clear payment plan. The trust account setup was smooth. It took a while to see settlements, but they kept working. I'm glad I stuck with it. It's not perfect, but it's helped a lot.
Joseph Subramanian
5/5.0
15, Dec 2023
Helped me breathe again
Working with Citizen Debt Services lifted a huge weight off my shoulders. I was juggling six credit cards and falling behind. They explained the process clearly and gave me options I hadn?t considered. Within a few months, settlements started rolling in. One creditor cut my balance by more than half. The team always kept me updated and didn?t make me feel judged.
Grace Fitzgerald
3/5.0
12, Dec 2023
Needs patience
It?s not for everyone. You need to stay calm and patient. I got there, but not without a few stressful moments.
Matthew Agarwal
4/5.0
11, Dec 2023
No sugarcoating
They told me what to expect, including the downsides. I appreciated the honesty?it helped me make better decisions.
Matteo Robinson
5/5.0
24, Nov 2023
Best decision lately
This was the first time in months I felt hopeful. Their team showed empathy and got results fast.
Elena Dubois
4/5.0
22, Nov 2023
Easy to follow
The plan they gave me was simple enough to stick to. I liked having a timeline and being able to check progress.
Alessandro Harris
5/5.0
18, Nov 2023
Great communication
Never felt left in the dark. They updated me often and even called me when I didn?t respond to emails.
Sofia Miller
3/5.0
16, Nov 2023
Mixed feelings
I got results, but had to stay on top of things. Not a hands?off experience, but it does work.
Marco Jones
4/5.0
15, Nov 2023
Honest about everything
They didn?t sugarcoat anything. I was told upfront that it might impact my credit, but it was worth it for the relief.
Amara Brown
5/5.0
14, Nov 2023
Clean interface
Their client portal made it easy to track settlements and deposits. Felt like I had a good overview at all times.
Kofi Jackson
4/5.0
04, Nov 2023
Real people, real help
These aren?t just phone agents reading scripts. They actually listen and take time to help you understand your options.
Zola Young
5/5.0
19, Oct 2023
Straightforward process
Nothing felt hidden. The process was outlined clearly, and my documents were easy to access. I felt in control.
Sekou Wilson
3/5.0
14, Oct 2023
Slow but reliable
Took longer than I hoped, but once they reached agreements, the savings were solid. I?d do it again if needed.
Nia Schmidt
5/5.0
05, Oct 2023
Reduced stress
Before this, I was constantly worried about phone calls from collectors. Now I finally feel like I?m getting ahead again.
Omar Roberts
4/5.0
27, Aug 2023
Some hiccups, still good
Had a delay with one settlement, but customer service resolved it without too much hassle. Appreciate how they handled it.
Imani Baker
5/5.0
23, Aug 2023
Worth the effort
It takes patience, but the program actually works. You just have to stick with it and follow their instructions closely.
Jamal Davis
4/5.0
11, Aug 2023
Steady results
Started the program six months ago, and already three out of five accounts are resolved. Happy with the pace so far.
Aisha King
5/5.0
28, Jul 2023
Kind staff, strong support
Everyone I spoke to seemed patient, not pushy. That alone made me feel better. Plus, they explained each settlement clearly.
Kwame Johnson
3/5.0
17, Jul 2023
Took time to gain trust
Was skeptical at first. It took a while before I believed the process worked. In the end, my debts are mostly settled.
Krish Howard
4/5.0
16, Jul 2023
Decent overall value
The fee structure seemed fair compared to what I saved. Not cheap, but better than staying buried in minimum payments forever.
Diya Collins
5/5.0
14, Jul 2023
Timely responses
I never had to wait long for someone to respond. Even if they didn?t have an answer, they got back to me with updates.
Rahul Lewis
4/5.0
11, Jul 2023
A learning experience
Besides reducing debt, they helped me learn about credit rebuilding. My score dropped at first, but now I know how to grow it back.
Kiara Jensen
5/5.0
01, Jul 2023
No pressure, just solutions
The intake call felt respectful. I was never pushed into anything. They worked at my pace, and that made a big difference.
Nikhil Evans
3/5.0
23, Jun 2023
Some ups and downs
I had to follow up a few times, and two creditors were tough to negotiate with. But results came through in the end.
Tara Peterson
4/5.0
11, Jun 2023
Took the pressure off
My monthly payments are finally manageable again. The reps gave me time to think and answered all my questions. Would suggest to friends.
Dev Taylor
5/5.0
10, Jun 2023
Professional service
I liked how clearly they laid out everything. Fees were explained well, and I always had access to my account dashboard.
Sanjana Cooper
4/5.0
27, May 2023
Good progress overall
Some accounts took longer to resolve, but they kept me in the loop. I appreciated that they didn?t pressure me into decisions.
Kabir White
5/5.0
11, May 2023
Grateful for the help
Was sinking in credit card debt. This program helped me understand how settlement works. It?s not magic, but it?s a way out.
Neha Rossi
3/5.0
28, Apr 2023
Fair outcome, long timeline
It took several months before I saw movement with creditors. But once things started settling, my monthly payment dropped. Process felt slow but effective.
Vikram Jones
5/5.0
14, Apr 2023
Much better than expected
Honestly thought it was too good to be true, but they actually reduced what I owed. Not a miracle, just steady progress that added up.
Ananya Schmidt
4/5.0
12, Apr 2023
Supportive team, clear communication
Every email and phone call was answered professionally. The staff were patient and helped me set realistic expectations. A few minor delays but nothing major.
Arjun Scott
5/5.0
07, Apr 2023
Helpful and non-judgmental
Felt completely overwhelmed by debt, but they handled it with compassion. They explained each step, and I saw results faster than I expected. My stress levels dropped.
Citizen Debt Services
At Citizen Debt Services, we've built our program with one goal in mind: helping people break free from debt as quickly and effectively as possible. Our approach starts with a free debt evaluation, followed by a personalized debt relief plan tailored to your situation. We then work directly with your lenders and creditors to negotiate settlements on your behalf. Read on to see how our process works.
Address
15 Hubble Suite 200
92618
Irvine
United States
Website
citizendebtservices.com
Email
info@citizendebtservices.com
Telephone
(844) 900-0713
