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


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How much does it cost to raise a child? As a spin-off of our infamous blog on the cost of groceries, I thought it would be helpful to take a closer look at the cost of raising kids, both as research measures it and as it translates into personal realities. Your Perception of the Cost of Raising Kids This is a topic our agency often addresses when families come to us for credit counseling services. As romantic or exciting as it may seem to ...

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What Collections Accounts Are Hiding in Your Credit Report? If you are like any other person, you can probably recall an afternoon arriving home completely exhausted, collecting a pile of mail on your way in and without a thought setting it on a counter or placing it in an organizer only to have those letters misplaced just days later. Perhaps you’ve left one nagging bill in sight to remind yourself to pay it, but distractions have demanded ...

7 Keys to Saving Money on Groceries

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Cutting Your Costs at the Grocery Store Since grocery expenses tend to be the largest expense in American households that we have some control over, this topic is critical for all of us to address. The US Department of Agriculture puts out “Cost of Food” reports every month listing how much American men, women and children can expect to pay each month for their food, based on a “Thrifty plan,” a “Low-cost plan,” a “Moderate-cost plan” and a ...