Get a Free Credit Counseling Session

Take the first step and get control over your debt.


Take Control of Your Debt

  • Consolidate your debt into one monthly payment
  • Reduce your monthly payments up to 50%
  • Reduce interest rates up to 75%

Learn more about Debt Consolidation


Reduce Monthly Payments by up to 50%

  • Pay Your Debt Off Sooner
  • Stop Late and Over Limit Fees
  • Reduce Interest Rates

Learn more about Credit Counseling


Get Control of your Student Loans

Our free student loan counseling session will give you the tools necessary to have a comprehensive understanding
of the student loan debt relief options available to you. Read More


"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

Reduce Your Debt

Debt Relief That Works!

  • Get a free financial assessment
  • Learn about your options
  • Find a plan that fits your budget
  • Reduce interest rates and stop late & over limit fees

Step 1 of 5


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 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

Creating a Family Budget for Spring Break


Budget: the last word people want to hear when they are sitting at work or in the midst of the everyday to-do list dreaming up this year’s Spring Break extravaganza. Budgeting can often feel like the opposite of indulgence. It can deflate the grand vision of all we intend our vacation to be. However, equally unsavory, is the thought of the months following a budget-less vacation as we are caught in the endless payback of the “I shouldn’t ...

Why You Should Add ‘Finances’ to Your Spring Cleaning Checklist


Ah, springtime. Skies turn crystal clear, rain showers freshen the air, and flowers bloom. Most usher in the season with the warmest welcome. Then, uninvited guests squeeze in by the names of Spring Cleaning and Tax Season. You’re probably considering crawling back under your winter comforter and hibernating until it’s over. I mean household chores and finances, what could be more fun? However, you’ll end up buckling down and investing in ...

The Tattle-Tale Edition: Our 3 Secrets to Eliminating Credit Card Debt


With the cost of living increasing faster than the growth of average income, it is no wonder why credit card debt has become so common. On average, 38.1% of all households have some kind of credit card debt according to the February 2017 report found on Most recently, balances have reached a towering five figures and have grown almost every year over the past decade. My theory is just as a health crisis in the medical field ...