Get a Free Credit Counseling Session

Take the first step and get control over your debt.


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


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

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

Best Odds of Winning with your Powerball Money


A Sure Bet to Lose Your Money One in nearly three hundred MILLION!!! 282,201,338 to be fairly exact, at least at the time of this posting. Those are your chances of winning the grand prize, whether it was last week’s Powerball Powerplay jackpot of $1.5B or tonight’s $40M. If you’d be happy with the $1M prize, then your chances are still just one in almost 12 MILLION! For … Read More

Better Odds of Being Happy Now than Winning the Next Powerball


A full 60% of Americans have NO habit of savings ( Yet how many such Americans are playing the lottery this week? If you find yourself among those 60% who have no emergency savings plan, please do us all a favor and start your savings habit today with the money you would have spent on that ridiculous lottery ticket. A favor to us all? Yes, our … Read More

Are Collections the Worst Thing for My Credit Score?


Myth Busting Credit and Debt Myth: Collection accounts are the worst thing on your credit. Reality: Bankruptcy and foreclosures hurt much worse. Collection accounts make up for about a 5-10% drop in a credit score while foreclosures account for about a 25% drop and bankruptcy between 30-35%. What can I do? If preserving your credit rating is your priority you may want … Read More