Debt Reduction Services has been operating for over 21 years and helps customers in 47 states find their way to financial stability by way of consolidation and debt management plans. There are many attractive qualities about its services, including their availability, money-back guarantee, and accreditations. However, there are also complaints about the staff of Debt Reduction Services being pushy and aggressive.



The Good

  • Certified credit counselors
  • AICCCA and ISO accredited
  • Money-back guarantee

Great Resources

For anybody looking for a solution to their debt problems, Debt Reduction Services offers a free consultation to the public. We like seeing this kind of service offered because it shows a sort of confidence in the abilities of the company. Debt Reduction also provides an attorney listing for each of the states, which saves the customer a lot of time in determining if bankruptcy is the best option for them.

Money-back Guarantee

Debt Reduction gives clients peace of mind by offering a money-back guarantee. If in the end, the client becomes dissatisfied with the results, the company will refund the enrollment fee, and in some case, refund the monthly installments paid to the company.

The Bad

  • Lacking transparency
  • Aggressive tactics

Lack of Transparency

Unfortunately, we couldn't find any information about the company’s interest rates, monthly fees, and up-front fees. In some cases, we found that some clients reported seeing their fees increase after signing a contract. This is obviously a cause for concern, as we would like to see more companies like Debt Reduction Services be more transparent with their fees, especially considering those who label themselves as a non-profit firm. This makes it difficult for potential customers to determine if Debt Reduction is the right direction they want to head in. This also makes it difficult for our team to rank them.

Aggressive Tactics

Complaints about Debt Reduction Services are usually made against the pushy salespeople and aggressive sales tactics to get people to enroll in the debt consolidation program. Clearly, this can push potential customers away and have an adverse effect.

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 credited. Conversely, their lack of transparency and aggressive sales tactics should be taken into serious consideration before committing to them. As a result of these downfalls, we do not recommend working with them.

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.