Our Services

 Free Credit Counseling and Budgeting Advice

There are a number of reasons why many of us do not create or live by a budget. If you have difficulty budgeting, Debt Reduction Services' Certified Credit Counselors offer free, confidential advice for developing budgets, managing money, using credit wisely and building a savings plan.

Together, we will review your current financial situation to determine the best possible solutions to your current financial problems. We will also help you plan for, or avoid all together, those future unforeseen financial stumbling blocks that can lead to debt and bad credit. If you don't control your money, then your money will control you!

To contact us for your free, no obligation consultation, see our TERMS OF SERVICE for a Debt Reduction Services office nearest you.

Not near one of our offices? No problem. You may call us from anywhere in the United States at 877-688-3328 for a convenient telephone consultation from the privacy of your own home or office. Call us today, and sleep better tonight. What do you have to lose?

Debt Consolidation and Debt Management Plans

DRS also offers assistance through its Debt Management Plans (DMP's). When appropriate, our Credit Counselors can work with your creditors to design a debt management plan that may offer the following benefits:

• Consolidate Debts Into One Payment
  
• Reduce Your Total Monthly Payments
  
• Reduce Your High Interest Rates
  
• Eliminate Costly Late and Over-limit Fees
  
• Stop Frustrating Collection Calls

So How Does It All Work? - You make one consolidated monthly payment to Debt Reduction Services which we process and send to your creditors. Reduced interest rates and other benefits will stay in effect so long as you make your monthly payment on time to DRS. The Result? - Your debts are repaid in a fraction of the time it would have taken you by continuing under your current circumstances.

Finally and Most Importantly -During the debt management program, a highly trained client support team will be assigned to assist you, one on one, monitor your accounts, and be in frequent contact along the way for the duration of your debt management program.

You will never deal with a large impersonal call center, but someone who knows you. We are committed to providing each client with the highest standards of customer service; knowledgeable staff, professional and courteous support, attention to details - this is the DRS difference. Customer Service is one of the most important factors you should consider when deciding on which Credit Counseling service you will work with.
Fill Out our Online Application Today, and Learn to Live Debt Free!

Approved* Bankruptcy-related Services

Register for Our Post Bankruptcy Filing Online Debtor Education Course
Click here for our disclosure statement, pricing, and online course registration screens for our approved* bankruptcy debtor education course

The October 17, 2005 enacting of the "Bankruptcy Abuse Prevention and Consumer Protection Act of 2005" dramatically changed the former bankruptcy laws. Among the changes are two provisions that require financial counseling and education for consumers.

The first is a requirement that, before filing for bankruptcy, consumers receive a briefing on their alternatives to bankruptcy with a U.S. Trustee approved* credit counseling service. The second provision requires that a consumer complete an instructional course concerning personal financial management from a U.S. Trustee approved* agency before receiving a bankruptcy discharge.

On December 21, 2005, Debt Reduction Services received approval from the Executive Office of the U.S. Trustees to begin providing the pre-Bankruptcy Credit Counseling Briefing. On April 13, 2006, we received approval from the same office to begin providing the post-Bankruptcy Personal Financial Management course.

Approved* Pre-Bankruptcy Filing Credit Counseling

Debt Reduction Services offers quality credit counseling by independently Certified Credit Counselors. Our 10 physical locations and our national telephone counseling department mean that we can provide these services with more convenience to you. In many cases, we can even offer same day appointments, and can send you home with your certificate of completion in hand. So call us today!

Approved* Post-Bankruptcy Filing Personal Financial Management Course

Debt Reduction Services offers an approved* debtor education course in all of our physical offices at least once a month. This two hour workshop provides information, motivation, and training in various aspects of personal money management, including budgeting, spending behaviors, risk management, credit usage, debt management, and consumer protection and resources. Those who attend these classes leave with their own booklet and a certificate of completion. Contact your local office for details.

So call or email us today to schedule a counseling appointment or to reserve a place at an upcoming class. We look forward to hearing from you!

*Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services. Approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider's services.

Money Management Education

Debt Reduction Services provides no-cost money management education to our communities, clients and guests in order to assist individuals in becoming free of debt, living debt-free, and planning for a financially stable and secure future.

DRS provides this education to individuals and groups in a variety of settings to achieve these debt reduction goals, including in-person credit counseling sessions, in-office group seminars, community-based outreach seminars within private and public organizations, companies, and programs, as well as in community schools and through email and the Internet.

Subjects and content of all DRS educational presentations, seminars, workshops and materials focus on one or more of these four skill sets in debt management.

The Debt Reduction Services' Education Program aims to develop life-long proficiency in four core financial skill sets

• Personal and Household Budgeting
• Debt Elimination Strategies
• Developing Effective Spending Habits
• Using Credit Wisely

Visit the National Financial Center at Debt Reduction Services to find out more details about how our education programs can benefit you or your organization.