About Debt Reduction Services Debt Reduction Services is a non profit "full service" debt management and credit counseling service organization that has helped thousands of consumers since our inception in 1996. Our goal at Debt Reduction Services is to significantly improve the financial well-being of our clients, and assist them in achieving a better overall quality of life through credit counseling, debt management and credit and debt education programs. Our services include free budget and credit counseling, low cost debt management programs, and free community wide educational programs as a part of a complete and sound financial outcome for our clients. Debt Reduction Services is committed to educating the general public, and in particular each of our clients, in order to help people learn to live a debt free life. Our intention is to offer the highest quality of instruction and credit counseling, and in those instances where applicable, couple that instruction and counseling with our debt management programs, also known as debt consolidation.