Get a Free Credit Counseling Session

Take the first step and get control over your debt.

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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

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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

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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

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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

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

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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 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


Protecting Yourself from Credit Card Skimming

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Fraud comes in many forms such as identity theft, cyber crime and hacking, credit card and banking fraud, email schemes, skimming and more. As each year passes by it seems the fraudsters get more and more elaborate in their schemes to access our personal information and our finances. According to the FBI website, skimming typically involves...

Spring Cleaning Your Finances

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Spring is here with flowers and sunshine! With Spring fever in full swing, and as we clean up our homes and yards, we should clean up our finances too! The changing season is a good time to evaluate budgets and spending plans to become financially efficient. Whether you have a lot of debt, just owe a small amount or...

Tax return: It is your money, not a bonus!

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Winter is starting to fade, and it seems like summer can’t arrive soon enough. It’s during this time of the year that we observe tax professionals busily shuffling papers and working long hours. It seems every other television and radio commercial is talking about taxes, getting you the biggest refund and guaranteeing accuracy. Tax season is here, and many of us are...