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

The Latest News

The ABC’s of Back-To-School Savings


Many people don’t want to think about back to school yet, especially while in the peak of summer.  However, back to school shopping can creep up on you quickly, so it pays to be prepared.  The best way to save money is to start planning early in order to get the biggest bang for your buck. A scavenger hunt You might already have...

Start Planning for Christmas – In July!


For many of us, Christmas is the gift that keeps on giving.  Not in the way we would prefer but rather in the form of credit card balances.  If instead, you plan ahead, you can avoid that costly mistake, save money, and truly enjoy the holiday season. Make a list and check it twice Is Uncle Eddie on...

How to Identify and Avoid Phishing Emails


The IT Dept. at Debt Reduction Services has compiled some information to help you keep your identity and personal information safe and out of hacker or scammers hands. Every day a countless amount of phishing email is sent out via the internet.  Some phishing emails are easy to spot but others appear like legitimate emails from reputable companies.  There is...