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Debt Reduction Services is a non profit "full service" debt management and credit counseling organization that has helped thousands of consumers learn to live debt free. Our goal at Debt Reduction Services is to significantly improve the financial well-being of our clients.

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Access your account online and track your progress as well as make personal information changes. One of the many benefits to our Accelerated Repayment Plan.

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In some instances Bankruptcy is unavoidable and in the consumers best interest. We are proud to offer Pre and Post Bankruptcy Filing Certificates.

Credit Counseling

Contact us to receive your free, no obligation, consultation with one of our Certified Credit Counselors.

Debt Reduction Services

Debt Reduction Services is a non profit credit and debt counseling organization that has helped thousands of consumers overcome their unique financial challenges.

Credit Counseling Talk
An informative blog aimed at helping individuals live debt free!

17 More Clues that You Might Be a Financial Zombie

Even after last year’s series of of zombie-based posts, I still feel like an ambulance chasing attorney in posting more financial issues based in zombie pop culture.No one likes the idea of becoming a zombie, so why do so many among us keep ourselves within the ranks of the financially undead? Our credit ...

Number of American Adults with Bankruptcy on Their Credit Report

How many of your acquaintances (family, friends, neighbors, fellow parishioners, club members, etc) have a bankruptcy filing on their credit report? One? Two? Think again! I’ll get to the answer in a moment, but first… how I got there: The average American knows 600 people. The US Census Bureau says that 23.3% of the ...

Credit Card Usage by Month

I read an interesting article on Bankrate.com this morning that had some fascinating, albeit not unexpected, credit card usage data. Essentially, our credit card usage as a country clearly delineates major consumer holidays and events, including the strong uptick in November and December for Christmas and the second largest usage growth around back-to-school time. The ...

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Thank you again for your help and your kindness. I was embarrassed to start this process but not once did I feel judged or looked down upon. Thank you!
Anacortes, WA