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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Buckle Down on Summer Spending and Still Have Fun! Finally, summer is here and in full swing! The suns out longer and there isn’t a shortness of activities to keep us busy! We have weddings to plan or attend, backyard barbecues to host, vacations and weekend exploring to do! There are scores of music festivals, zoos to visit and so much more! We love summertime because it is fun! We’re not cooped up at home waiting out cold or rainy weather ...

15 Companies and People Who Can Check Your Credit Report

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Seriously, who really cares about your credit? The article title might be a bit facetious, but it does not diminish the importance of the answer. Your credit rating can affect many aspects of your life, often in unexpected ways. Keeping track of who is looking at your credit and why can help minimize the negative consequences attached to poor credit or, worse, identity theft. That said, I am no proponent of being credit obsessed. Fixating on ...

Living on Low Income

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Low-Income Assistance Programs and Resources Available Whether your go-to source for financial information is a blog, an online newspaper, or social media, the internet is plastered with advice aimed to motivate households to max out emergency and retirement funds, save to pay cash for big purchases, cut all unnecessary expenses, and in every other way live ideally. For the 25 million plus low-income households in the U.S., such suggestions ...