Oregon Debt Consolidation

We’re proud to continue to provide Oregon residents free credit counseling and affordable debt consolidation services for over twenty years! We offer in person counseling to those in Eugene and have phone or internet counseling available to those living in other parts of Oregon.


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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Oregon Debt Consolidation Availability

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

Will Debt Consolidation Help Me?

In Oregon we’ve assisted thousands of residents manage and improve their budgets with debt consolidation services. The services are designed to provide short and long term relief by reducing interest rates, high fees and they can greatly shorten the length of time needed to repay the debt.

We believe our commitment to helping individuals by reviewing their entire financial picture is what helps set Debt Reduction Services Inc. apart from other debt management companies.

Be sure to contact us to set up your free consultation with one of our certified credit counseling experts and learn how our nonprofit debt consolidation program may provide immediate debt relief by reducing your monthly payment and interest rates as well as ending late and over the limit fees. We also offer separate student loan counseling and bankruptcy certificate programs.

Credit Card Debt in Oregon

According to recent statistics Oregonians are no strangers to credit card debt. The average resident in Oregon carries $4,9211 in credit card debt. When you add that to the staggering rise in 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 debt. With household debt increase year to year it’s easy to see why the number of delinquencies in Oregon increased by 3.4 percent2 in the last year.

Credit Score Averages in Oregon

Oregonians average a credit score of 6983 which is a bit above the middle of the pack for average scores in the United States and is ranked 18th among all states. Our free credit counseling sessions can be done in person in our Eugene 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 an 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 for more information and to receive your free credit counseling session with one of our highly skilled and qualified advisors.

We are a licensed debt management service provider and service all of Oregon.

Debt Reduction Services, Inc. is a “Licensed Debt Management Service Provider” regulated by the Department of Consumer and Business Services, of the State of Oregon.
License # DM-80018.


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