DEBT REDUCTION SERVICES INCORPORATED

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.

Our mission is to promote financial responsibility in our clients and community members nationwide. We accomplish this through educational programs, counseling, and personalized services. We thus empower individuals to develop and use positive budgeting skills and effective spending behaviors, to use credit wisely, and to prevent, manage, and eliminate consumer debt. 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. Headquartered in Boise, Idaho, Debt Reduction Services operates 10 branch offices in 7 states. We serve clients through most of the United States. Debt Reduction Services is also a member of the Better Business Bureau (BBB) and the Association of Independent Consumer Credit Counseling Agencies. AICCCA is a national membership organization, established to promote quality and consistent delivery of Credit Counseling Services. One tool we offer to help clients is our Debt Management Plan for those who are behind with credit card payments and other unsecured debt. Our DMP features our "accelerated repayment plan" which allows your debt to be paid off at a maximum of 60 months, and often at reduced rates of interest, with no late or over limit fees.