Get a Free Credit Counseling Session

Take the first step and get control over your debt.

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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

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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

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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

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"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

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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


Building and Living by a Better Budget

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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 ...

Payday Loan Pitfalls – An Industry Scrutinized

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Need fast cash? Can’t wait until payday? The High Cost of Payday Loans Perhaps that should read; Need fast cash? Can’t wait until payday? Borrow money for only 400% interest. Payday Loan Fees can run between 390 to over 780% APR depending on the lender. To put it in perspective a Credit Card issuer typically will charge between 10 to 25% APR. As we’ve mentioned in previous posts, there are more payday lending offices in the United States ...

Choosing a Credit Counselor

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Credit counseling companies come in all shapes and sizes. Whether you are looking at working with a local credit counseling organization or a national firm, there are some very important factors to look at before choosing the right service for you. Here is a list of questions for you to ask a credit counseling company before determining whether or not you want to move forward with them, or seek another agency. Free Educational Services One ...