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.

joe-cestaroJoe Cestaro


Debt Reduction Services


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The Next Steps

We understand the difficulty that financial situations can present. If you need immediate help call us at 877-688-3328 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.

Preparing For Your Consultation

  • Print off our consultation worksheet here: Print Consultation Worksheet Here
  • Gather statements showing current balances, interest rates, and terms.
  • Be prepared to discuss your household income and expenses in detail.
  • Think about your short term and long term financial goals. Discuss these goals with your Counselor.

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

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