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

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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!

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 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 ...

For Teens and Young Adults: Should I Start Building my Credit?

I saw this question from a reporter this morning and don’t want to wait until their publication comes out before I address it myself.  For teens and young adults, when should they start building their credit? What the parents are actually asking is this: should my child open a major credit ...

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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