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

Hosting Thanksgiving on a Budget

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Hosting Thanksgiving While on a Budget! You just received some wonderful news! It's your turn to host Thanksgiving dinner and show off your tasty cooking that your family is sure to love. It'll take some hard work but you can pull it off! There's just one issue: money. You'd really like to avoid spending too much. Here are a few ideas to help you keep your Thanksgiving get-together affordable and less stressful. Go Potluck with Dishes - Many ...

8 Ways Shopping Black Friday Will Cost You

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Mistakes to Avoid this Black Friday As Black Friday draws closer, shoppers excitedly build lists and recruit team members for maximum deal-snagging success. Meanwhile, businesses plot ways to ensure a healthy profit margin by the end of the shopping weekend. Last year, shoppers on average spent $300, handing retailers a total of over $3 billion in sales. Looking to outsmart store advertising this year? Beware of the mistakes below and emerge ...

Raising Children: Expenses to Expect

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Finding Affordable Ways to Raise a Family When I decided to address this topic, I set out to get a better understanding of how families are handling the cost of raising children. Are they managing or are they struggling and what determines the difference? In the first part of my article, I discussed that the USDA reported that it costs over $233,000 to raise a child. With the help of contributors, I answered three questions: do you agree ...