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Debt Reduction Services Debt Reduction Services
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Business Details
30 Years
experience
Your Trusted Partner for Debt Relief Solutions
Debt Reduction Services was founded in 1996 by Joseph T. Cestaro and Thomas Drechsler as a nationwide nonprofit credit counseling organization headquartered in Boise, Idaho. With over 25 years of experience, we specialize in financial education, budgeting assistance, credit counseling, and debt management plans to help individuals achieve financial responsibility and security. Our services include debt consolidation, payday loan relief, medical debt help, and bankruptcy counseling, all designed to reduce monthly payments and interest rates while eliminating late fees. Accredited by BVQi NA, Inc. to the ISO 9001:2015 Quality Management System Standard, we are also a Better Business Bureau member and part of the Financial Counseling Association of America.

Through our subsidiary Money Fit Academy, we provide free financial literacy programs and personal finance education. Licensed in all 50 states, we serve clients nationwide with a commitment to transparency, ethical practices, and community engagement.
Services
Debt Management Plan Credit Counseling Debt Consolidation Payday Loan Relief Medical Debt Help Bankruptcy Counseling Financial Education
Details
  • Year established: 1996
Highlights and features
  • We have over 25 years of experience in debt management and credit counseling.
  • Our ISO 9001 certification ensures high-quality service standards.
  • We are a Better Business Bureau member with a proven track record of trust.
  • We offer free financial education through Money Fit Academy.
  • We operate nationwide, serving all 50 states and U.S. territories.
Associations and certifications
  • ISO 9001:2015
  • Better Business Bureau
  • Financial Counseling Association of America
What people say
Excellent service Stress-free experience Knowledgeable counselors Effective debt relief Financial freedom achieved
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Services
Debt Management Plan
Our Debt Management Plan consolidates unsecured debts like credit cards and payday loans into one monthly payment. We negotiate lower interest rates and fees with creditors, helping clients pay off debt faster. This service is ideal for individuals seeking structured repayment without loans, with support from certified counselors and free financial education resources.
Credit Counseling
Credit counseling provides personalized budgeting guidance and debt strategies. Certified counselors review clients' financial situations, create tailored budgets, and educate on money management. This service includes free resources and debt management options, focusing on long-term financial literacy and stability through ISO-certified processes.
Payday Loan Relief
Payday Loan Relief reduces high-interest payday debt through negotiated payment plans. We stop auto-drafts and collection calls while lowering monthly payments by up to 50%. This service includes financial education to prevent future reliance on payday loans, with support from BBB-accredited counselors.
Medical Debt Help
Medical Debt Help negotiates with providers to reduce balances and payment terms. We assist with unsecured medical bills in collections, offering consolidation options and budgeting strategies. This service includes free credit assessments and counseling to resolve medical debt without loans, supported by nationwide creditor partnerships.
Financial Education
Financial Education programs teach budgeting, credit management, and debt prevention through Money Fit Academy. Courses are free and cover topics like debt-free living and personal finance. This service empowers clients with skills to maintain financial stability, complementing debt relief programs with long-term educational resources.
People
Eric Lehtonen
Certified Credit Counselor
Eric Lehtonen is a certified credit counselor with extensive experience in financial education and debt management. He specializes in helping clients navigate debt relief options and develop sustainable financial habits.
Questions
What services does Debt Reduction Services offer?
We offer debt management plans, credit counseling, payday loan relief, medical debt help, and financial education programs.
Are there fees for your services?
Initial credit counseling is free. Debt Management Plans have a $125 setup fee and monthly fees up to $75.
How does a Debt Management Plan affect credit scores?
Enrolling in a DMP does not directly harm credit scores and can improve them over time with consistent payments.
What types of debt can you consolidate?
We consolidate unsecured debts like credit cards, payday loans, medical bills, and collections.
How do I start the debt relief process?
Contact us for a free credit assessment to explore personalized debt relief options and create a repayment plan.