Debt Reduction Services has been operating for over to decades now, helping customers in 47 states find their way to financial stability by way of debt consolidation and debt management. There are many good things to focus on with this company, including their availability, money-back guarantee, and accreditations. However, there are also a number of negatives that need to be mentioned, including complaints about the staff being overly pushy and aggressive when it comes to promoting their services and dealing with complaints.

Debt Reduction Services Reviews

About Debt Reduction Services

Debt Reduction Services is a non-profit debt consolidation company that offers customers the chance to gather all of their unsecured debt and transform it into one easy monthly payment and negotiate to lower or eliminate interest charges.

Customers can expect to have their debt paid off in 2-4 years. Debt Reduction Services also provides credit counseling, bankruptcy certificates, and several financial resources, like financial education and credit/debit solutions.

Basic Information

  • Address: 6213 N Cloverdale Rd Ste 100, Boise, ID 83713-4912
  • Web Address:
  • Date of Founding: 4/30/1996
  • Contact Number: (208) 378-0200
  • Opening Hours: 9:00 AM – 7:00 PM
  • BBB Accredited? Yes, since 1998.

The Company

Mr. Joseph Cestaro is the President of Debt Reduction Services at the time of writing, and the main contact if you want to go straight to the top. They hire over 50 employees, make over $1 million a year, and generally score very highly on customer review sites, albeit with a fair share of bad reviews and complaints.

The Services and Prices

As with all good debt relief agencies, everything begins with a free consultation and quote on Debt Reduction Services. They will look at your financial situation, tell you what they can do for you and then give you an idea of how much it will cost in terms of interest, a monthly fee and a setup fee.

They can help with student loans, housing, credit card debt, bankruptcy services, and more, and along with their debt management plans they also offer a wealth of educational resources.

They generally clear all customer debts within 5 years and help them to save a lot of money in the process.

The Employees

We have heard a mix of good and bad things from Debt Reduction Services employees, with the good pointing out the training, experience and decent pay, and the bad focusing on interference from management and outsourcing essential parts of the business.

These things can be frustrating for some employees, but ultimately it's not unusual for a modern business, especially one in this sector, and it's not something that has a major impact on customers either.

How to Complain

If you have a complaint against Debt Reduction Services, contact them first and let your displeasure be known. This is always the best course of action in the first instance. Not only does it show that you made the effort to try and resolve things amicably, but in most cases you'll be put through to management who will be just as eager to get things dealt with as you are.

If that fails, then you have every right to start getting angry and start letting your frustrations be known on sites like BBB.

Debt Reduction Services Help

Debt Reduction Services Review

Keep reading for our Debt Reduction Services review. And if this company isn't quite what you were looking for, click onto our reviews for Freedom Debt Relief (see here), GreenPath Financial Wellness (see here) and Debt Consolidation Care (see here). You can also browse through our 100+ reviews yourself.

The Good

  • A host of certified credit counselors on staff
  • AICCCA and ISO accredited
  • A great money-back guarantee

Great Resources

Debt Reduction Services offers a free consultation to all prospective customers looking for help with their escalating debt, as well as customers seeking some advice and assistance with the early signs of debt. We like seeing this kind of service offered because it shows a certain degree of confidence in their abilities, but at the same time it's a service that is offered across the industry and it's rare to find a company that doesn't offer it.

Debt Reduction also provides an attorney listing for each of the states, which saves the customer a lot of time in deciding if bankruptcy is the best option for them or if they are better suited to an alternative.

Money-back Guarantee

Debt Reduction gives clients some much needed peace of mind by offering a money-back guarantee. If  the client is dissatisfied with the results, the company will refund the enrollment fee, and in some cases they will refund the monthly installments as well. This, just like the free consultation, is always a welcome sight and shows a level of self-confidence. Unlike the free consultation, it's not that common, although it's far from rare.

The Bad

  • They lack transparency in key areas
  • They have been accused of using aggressive tactics

Lack of Transparency

Unfortunately, we couldn't find any information about Debt Reduction Services's interest rates, monthly fees, and up-front fees. In some cases, we heard from clients who noted that their fees increased after signing on the dotted line.

This is obviously a cause for concern, and Debt Reduction Services should be more transparent with their fees, especially considering they label themselves as a non-profit. This makes it difficult for potential customers to determine if Debt Reduction is the right choice for them, and it also makes it difficult for our team of reviewers to rank them with the level of accuracy that we usually provide.

Debt Reduction Services

Aggressive Tactics

The majority of complaints about Debt Reduction Services seem to revolve around their pushy salespeople and aggressive sales tactics, which are used to get customers to enroll in their debt consolidation program.

Clearly, this can push potential customers away and have an the opposite effect than what is desired. It's something that some companies in this industry have been warned against in the past, and something that we focused on when giving a negative review to LowerMyBills (although in their case, it was a deluge of spam that caused the issue).

It's also something that we've heard from many employees of these companies, with some workers of highly ranked and otherwise very reputable companies like Navicore Solutions suggesting that they are encouraged to harass customers in this way and to get them to purchase debt management plans when in actual fact they may not need anything more than advice.

This is something you're not going to avoid, something that is definitely not isolated to this or any other company. It's worth keeping in mind that these companies want your business and your money just like any other, even if they are non-profit. The onus is always on you to make the final decision and to ensure it is the right one.

The Bottom Line

Debt Reduction Services might be a good option for those who live in one of the 47 states they service. They offer a money-back guarantee and they are well accredited and vastly experienced. Conversely, their lack of transparency and aggressive sales tactics should be taken into serious consideration before committing to a contract with them.

There are a lot of things here that cause concern and will likely (and rightly) scare customers away. They are certainly not alone in having these issues, and this industry is rife with such problems, but there are less pushy companies out there that you may want to consider instead.

As a result of these downfalls, we do not recommend working with Debt Reduction Services.