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Take the first step and get control over your debt.


Take Control of Your Debt

Turn to a Trusted, Confidential, Non-Profit Advisor

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"They have truly been a lifesaver"

"We tried to get our creditors to work with us but they wouldn’t. Now we are almost out of
debt with the help of Debt Reduction Services. " Read More Success Stories

Get a Free Credit Counseling Session

Take the first step and get control over your debt.

Since 1996 Debt Reduction Services has been helping people regain control of their finances.  Our mission is to help each individual we counsel make strides towards financial independence and freedom from debt.

Why Choose Debt Reduction Services?

If you owe $20,000, you could pay...

Your Creditors



Over 30 years w/ Penalty fees & high interest


you could pay

Debt Reduction Services



Over 5 years on manageable terms

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.

Debt Reduction Services Can Help You...

  • Negotiate with creditors to reduce or eliminate interest charges and stop late and overlimit fees
  • Consolidate credit bills into one easy monthly payment
  • Pay off your debt faster
  • Lower your interest rates regardless of credit score
  • Stop collection calls
  • Build a realistic budget and financial plan you can follow

The Latest News

May is Military Appreciation Month – Free Debt Management for all Active Duty


Reminder May is Military Appreciation Month! In 1999 Congress designated the month of May as the National Military Appreciation Month as a gesture of providing a period of time to reflect on US Military achievements and educate new generations of the history behind our nations armed forces. At Debt Reduction Services Inc., we are grateful for the continued efforts of our servicemembers and offer our Debt Management Program services at no … Read More

Mother’s Day on a Budget


Tips on making this Mother’s Day special without breaking the bank! Mother’s Day is a great time to reward and acknowledge the women in our lives for all of the many wonderful things they’ve done and continue to do for us and our families. One of the values we learn at an early age is that some of the best gifts are the ones that come from the heart. The … Read More

How to Create Financial Goals You Can Stick With


As a form of motivation people create goals to attain certain property, products or status.  Financial goals are very important and require a lot of discipline to realize and reach your dreams.  Each person is at a different stage in their life and these goals can vary. Creating a budget is a great first step regardless if your goals include buying a home or car, getting out of debt … Read More