Congratulations on taking the first steps towards living a debt free life!

I would like to take this opportunity to welcome you to Debt Reduction Services Inc, our nonprofit organization that has been serving the public since 1996. We are happy that you have chosen us to help you get out of debt. We will do everything possible to guide you smoothly through the entire process.

If you follow our debt management program your debt will be paid off within 5 years – without bankruptcy or using debt settlement, which can ruin your credit. Remember, if you have any questions, or need budgeting assistance, help is just a phone call away. Good luck and thank you for coming to us for help. We won’t let you down.

Joseph-Cestaro-DRS-PresidentJoe Cestaro


Debt Reduction Services


The Next Steps

Prepare by filling out our pre-consultation worksheet here. Select document image below to begin.

Filling out the worksheet before your consultation will give you a head start on some of the information your Counselor will review with you.

We understand the difficulty that financial situations can present. If you need immediate help call us at 866-688-3328 to speak with one of our Certified Credit Counselors.

Otherwise, we will be in touch shortly. In the meantime, we recommend gathering all of your creditor statements and develop an outline of your current monthly income and expenses. Having this information available will assist us in deciding which course of action is best suited for your needs.

Please follow us on Social Media for company updates and personal finance tips & information designed to help you #LiveDebtFree!