Get a Free Credit Counseling Session

Take the first step and get control over your debt.


Take Control of Your Debt

Turn to a Trusted, Confidential, Non-Profit Advisor

get your bank on

Is Credit Counseling Right For You?

Call us for a Free and Confidential Credit Counseling session
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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

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

Improving Your Credit Report


What is a credit report and how is it used? Think of your credit report as your own personal file that holds information about your where you reside, what type of debt you owe on and what your payment history is with your lenders. Your credit report file will also include whether or not you’ve filed bankruptcy and if you’ve been sued to collect upon a debt you owe. If … Read More

Recent Upgrades to Phone System


Hello to our current and future clients! We wanted to let everyone know that our toll free number is back in action after being knocked offline last night during a phone system upgrade and conversion. All toll free numbers, not only our main line, were down for approximately 14 hours. We’ve also enhanced our internal tech systems to allow us to continue to keep your security, convenience and success as … Read More

How to Potentially Save Hundreds per Month with Minimal Lifestyle Impact


The small things sure add up! Many of us are aware of what a budget is and how it can be a very useful tool when it comes to managing our household income versus expenses but studies show that only about one third of Americans actually use them. Even fewer are have a long term plan in place to save for the future. If you’re like the majority of people … Read More