Debt Reduction Services was formed in May 1996 by Joseph T. Cestaro and Thomas Drechsler. It operates as a nationwide non-profit credit counseling organization with its headquarters in Boise, Idaho.

Over the years, the organization has continued to develop, it managed as many as 17 branch offices across the country and a national call center. This expansion into multiple locations demonstrates the company’s efforts to reach and assist individuals and families in various regions.

As a non-profit credit counseling organization, DRS focuses on providing financial education, budgeting assistance, credit counseling, and debt management plans to help clients achieve greater financial responsibility and security.

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Our Commitment to Our Clients and Our Services

DRS’s primary objective is to assist individuals and families in achieving greater financial responsibility and wellbeing. To accomplish this goal, we offer the following services:

  1. Credit Counseling: DRS provides credit counseling services to help individuals understand their financial situation, create budgets, and develop strategies to manage their debt effectively.
  2. Debt Management Plans: Debt Reduction Services offers debt management plans that involve working with creditors to secure lower interest rates or reduced monthly payments, making it easier for clients to repay their debts.
  3. Financial Education: DRS incorporates financial education as part of its services, helping clients improve their financial literacy and develop good money management habits.
  4. Budgeting Assistance: The organization helps clients create and maintain practical budgets tailored to their individual circumstances, enabling them to track expenses and allocate funds wisely.
  5. Nationwide Services: DRS operates nationwide, meaning its services are available to individuals and families across the United States. We are licensed to operate in all 50 states.

Programs We Provide:

Debt Reduction Services has been providing programs and services to its clients for over 20 years. With more than two decades of experience, the organization has a wealth of knowledge and expertise in assisting individuals and families with their financial challenges. Over this time, they have refined their programs and developed new initiatives to address the changing needs of their clients and the evolving financial landscape.

As a credit counseling and financial wellness organization, the programs offered by Debt Reduction Services cover a wide range of services to help clients manage debt, improve financial literacy, and work towards achieving greater financial stability. These programs include:

  1. Debt Management Program
  2. Payday Loan Debt Relief
  3. Collection Debt Relief
  4. Less Than Full Balance Debt Relief
  5. Medical Debt help 
  6. Bankruptcy Counseling: Pre and Post 
  7. Housing Programs (HUD)
  8. Special programs for our Military and our First Responders
  9. Credit Report Repair Analysis

Our Employees

Debt Reduction Services values community involvement and social responsibility. Here are some key points:

  • Community Engagement: DRS encourages its employees to actively participate in community organizations and initiatives. Staff members belonging to leadership boards, such as the Jump$tart Coalition and high school consumer sciences councils, showcase their commitment to financial education and consumer advocacy.
  • Volunteerism: Many DRS employees donate their time and efforts to various charitable causes and nonprofit agencies, ranging from environmental efforts like keeping highways clean to fundraising for medical research. This reflects the company’s dedication to making a positive impact beyond its core services.


  • ISO 9001:2015 Accreditation: Debt Reduction Services, Inc. is accredited by BVQi NA, Inc. to the ISO 9001:2015 Quality Management System Standard. This accreditation signifies that the company has implemented a structured quality management system to enhance its processes and services.
  • Better Business Bureau Membership: DRS is a registered member of the Better Business Bureau (BBB) in Boise. BBB membership often indicates a commitment to transparency, ethical business practices, and responsiveness to customer concerns.
  • Financial Counseling Association Membership: Debt Reduction Services is a member of the Financial Counseling Association of America (FCAA). Being part of this national trade group demonstrates the company’s dedication to upholding professional standards and best practices within the financial counseling industry.

Money Fit by Debt Reduction Services, Inc.

moneyfit by debt logoMoney Fit by DRS, Inc. was founded in the summer of 2019 as a financial education and debt relief arm of Debt Reduction Services, Inc.

Here are some key points about Money Fit by DRS, Inc.:

  • Financial Wellness and Education: Money Fit by DRS, Inc. provides financial wellness and education to consumers. Its main goal is to help individuals establish a solid financial future by addressing and eliminating their current financial challenges.
  • Nonprofit Organization: Like its parent company, Money Fit by DRS, Inc. operates as a nonprofit organization. As a nonprofit, its focus is on preventing financial issues and assisting individuals in developing essential skills and knowledge in personal finance.
  • Debt Relief Programs: The company offers a variety of debt relief programs to help consumers manage and overcome their debt burdens effectively. These programs may include debt management plans, debt consolidation, and working with creditors to provide valuable benefits.
  • Money Fit Academy: The company provides Credit Counseling Services & Personal Finance Education programs through the Money Fit Academy. These services are offered FREE of charge, which shows their commitment to financial education and empowering individuals with essential financial knowledge.

Learn More about Money Fit: Money Fit Home Page

As of 2020, both Debt Reduction Services, Inc. and its financial education branch, Money Fit by DRS, have expanded their operations and are now fully operational across the entire country, including all states and territories in the United States. This allows them to better fulfill their mission of helping individuals achieve greater financial responsibility and security by aiding and support to those in need.

With this expanded reach, Debt Reduction Services and Money Fit can now assist all Americans who are burdened by various types of unsecured debt, such as credit card debt and collection bills. Their debt relief programs include debt management plans, debt consolidation, and other strategies to help individuals manage and eliminate their debt effectively.