New York Debt Consolidation 

We are proud to continue to provide New York residents free credit counseling and affordable debt consolidation services!  We offer in-person counseling to residents in the Long Island (Bohemia) area and have phone or internet counseling available to those that reside in other parts of New York.

New York

Will Debt Consolidation Help?

  • 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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New York Debt Consolidation Availability

Find debt consolidation and other debt relief services in your area by clicking on it below:

Will Debt Consolidation Help Me?

We’ve assisted thousands of New York residents to manage and improve their financial situation through free one-on-one credit counseling and our debt consolidation program. The services are built to provide short and long-term financial relief by reducing interest rates, high fees and they may drastically shorten the length of time to repay the debt.

We believe reviewing the individual’s entire financial picture is what helps set Debt Reduction Services Inc. apart from other debt management services.

Contact us to set up your free personal consultation with a certified credit counselor and learn how our nonprofit debt consolidation program may provide immediate debt relief by consolidating and reducing your monthly payments as well as lowered interest rates and putting an end to late and over the limit fees. Debt Reduction Services also offers separate bankruptcy certificate and student loan repayment programs.

Credit Card Debt in New York                            

According to recent statistics, residents of New York are no strangers to credit card debt. The average resident in New York carries $5,4021 in credit card debt. When you add that to the astonishing rise of student loan debt, collection debt, medical debt, payday loans and other unsecured debt you can see why so many individuals are struggling to repay their obligations. With household debt increasing year to year, it’s easy to see why the number of delinquencies in New York has increased by 5.5 percent2 in the last year.

Credit Score Averages in New York

New Yorkers have an average a credit score of 6973 which is near the middle of the pack with a ranking of 19th in the United States. Our free credit counseling sessions can be done in person in our Long Island office or over the phone or online for individuals that are unable to come in. Our credit counseling and debt consolidation program is designed to help improve your overall financial picture and may lead to enhanced credit scores as you show an ability to repay your debt. It certainly takes time and effort but with our assistance, we believe we can help you achieve your goals.

Be sure to contact us at 1-877-688-3328 or in the NYC area at 1-212-271-9274 for more information and to receive your free credit counseling session with one of our highly skilled and qualified advisors.

Debt Reduction Services Inc. is licensed to provide credit counseling services to all areas of New York.


  1. Average Credit Card Debt by State –Transunion
  2. Average Credit Card Delinquency by State – Transunion
  3. Average Credit Card Score by StateGoverning