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

It’s SIMPLE – E is for Eliminate

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Balance Your Finances by Cutting Costly Expenses E stands for Eliminate Starring Christian Bale, Hugh Jackman, and Michael Cane, the 2006 movie, The Prestige, explores the dark side of a magician’s commitment to his or her art. Without getting into the twisting, surprising and sometimes even gruesome plot, suffice to say that each of the starring magicians spend their energies and their lives trying to make things disappear in a more ...

Developing a Winning Savings Plan: Elimination vs. Substitution

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A Winning Savings Plan Takes the Right Amount of Sacrifice For most of us, saving is not easy. We can’t simply say, “I’ll scoop off the 15% of income I couldn’t figure out how to spend anyway and add it to my already overflowing accounts.” Rather, to save anything at all, let alone the suggested amount takes real sacrifice and planning. Saving for the long haul takes a winning savings plan. What is a Winning Savings Plan? If we are waiting ...

Avoid Overspending this Holiday Season

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Use These Tips to Put an End to Overspending Through the Holidays  There’s a good chance that you’ve started looking at the calendar a little differently lately. You’re feeling a sense of urgency to prepare for the holidays. Maybe it’s your turn to host the holiday gathering this year? Perhaps you have travel plans that you still need to finalize. It could be sinking in that you haven't started planning your gift buying yet and are worried ...