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

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

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

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

"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

20%

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

$60,000

$60,000

Over 30 years w/ Penalty fees & high interest

OR

you could pay

Debt Reduction Services

$23,000

$23,000

Over 5 years on manageable terms


Debt Reduction Services is a nonprofit 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

Fessing Up: How to Tell Your Partner About Debt

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  8 Ways to Prepare to Confess Your Debt You’ve had a conversation with yourself about your debt problem, but your conscience now nags you to tell your partner, too. As much as you want to be honest and fair, you are paralyzed at the thought of just how wrong it could go. The truth is, the longer you wait the harsher the impact may be. On the flipside, if you confess your debt in proper timing, your relationship can move forward sooner. ...

It’s SIMPLE – L is for Limit

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Limiting Your Financial Risk through 9 Different Insurance Products L Stands for Limit I may not be an adrenalin junkie, but I have pulled some pretty darn stupid stunts in my life that I sometimes marvel I survived. And they started early on. Family gatherings rarely pass without my mother telling the story of my attempt to jump my BMX bike using a ramp leaning against our picnic table benches when I was 8 or 9 years old. Then there was the ...

Save Your Money, Spend Time with Your Kids

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Consider Cost vs. Value When Planning to Spend Time with Your Kids This particular thought has crossed my mind in a variety of instances. It’s something that could be contemplated whenever any parent is preparing to share ample time with their kids. The question I want you to reflect on is this: do my kids need me to spend money for them to be happy? The moment this lesson really sunk in was about the time the county fair was coming to town. ...