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 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

10 Tips to Strengthening Your Credit Score


The Guiding Principle behind each of the following tips is to manage and use your credit wisely: pay your debts according to the terms you have signed and avoid excessive debt. Read through the following tips for ideas on how you can personally increase your credit score and better your overall credit standing. Tip #10: Check your credit report at least annually for mistakes and inaccuracies. Go to to print and ...

Where to Turn for Relief: Debt Settlement, Bankruptcy, or Consolidation?


Consumer would I love to pay thee off! Let me count the ways... We live in a culture where the burden of consumer debt has not only become acceptable but even expected. Since the average household in America carries nearly $17,000 of credit card debt, a large percentage of American households are looking for the best way to pay off their debt. Here are descriptions of some of the most popular options: Debt Settlement Companies (or ...

Building and Living by a Better Budget


In this article, we take an in-depth look into why maintaining a household budget is so important to the financial success of you and your family. The Myths & Realities of Household Budgeting There are a number of reasons why many of us do not create or live by a budget. Many of these reasons are based on false assumptions or myths. The following are a few such myths and their corresponding realities that may help us overcome our own ...