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

Staycation Ideas for the Whole Family

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12 Tips for Creating a Staycation on a Budget Although the term, Staycation, was first coined just prior to the financial crisis of the late 2000s, the idea of staying and playing locally rather than traveling to distant, expensive destinations (thus saving significantly on the cost of the getaway) has been around much, much longer. “Staycation” and its sister expressions, “HoliStay,” “Daycation” and “NearCation,” gained popularity in ...

Saving for a Vacation

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How You Can Save Regularly to Vacation Regularly It’s happened again. You have that itch; the one that sets in about 3 months after your last vacation. You know it’ll persist becoming increasingly harder to deny unless you break your normal routine and run till you’ve reached the nearest sunshine. Accept it, it’s time to for a vacation. Unfortunately, most people can’t just up and go. Even those traveling on their credit card rewards and ...

It’s SIMPLE – P Stands for Plan for the Future

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Plan to be Financially Stable and Secure P Stands for Plan Back in 2017, I began my series of blogs on SIMPLE finances: Spend, Invest, Manage, Plan, Limit and Eliminate. Here we are, almost in mid-2018 already, and I am on P is for Plan. Apparently, you can’t rush quality, right? If you are keeping score at home, you were probably expecting the S in SIMPLE to stand for Saving for emergencies, right? After all, paying yourself first is the ...