Debt Reduction Services is a non profit "full service" debt consolidation 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 consolidation and credit and debt education programs. Our services include free budget and credit counseling, low cost debt consolidation 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 consolidation programs, also known as debt consolidation. Debt Reduction Services operates 10 branch offices in 7 states. We serve clients through most of the United States. 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 certified compliant by BVQi NA,Inc. to the ISO 9001:2000 Quality Management System Standard in order to ensure the highest level of quality service to our clients. Our credit counselors are certified through The Center for Financial Certifications, an independent credentialing body recognized by the debt consolidation industry and individual state regulators and creditors. Debt Reduction Services is also a member of the Better Business Bureau Online and the American Association of Debt Management Organizations. AADMO is the credit counseling and debt consolidation industry's largest trade association with nearly 150 members nationwide.