Our bankruptcy services are available exclusively online. If you have questions or need assistance, please contact a bankruptcy certificate specialist at (855) 685-7843.

About Debt Reduction Services, Inc. (DRS):

Since 1996, DRS has provided financial education and counseling. Our certified counselors have completed the Accredited Credit Counselor certification (AFCPE) or the Certified Debt Management Professional program through the Partnership for Financial Education, with ongoing education required to maintain these certifications. We are members of the Financial Counseling Association of America (FCAA), and the National Foundation for Credit Counseling (NFCC). DRS is ISO 9001:2015 certified through Bureau Veritas (BV), an independent third-party organization that monitors social service providers.

DRS is a 501(c)(3) non-profit organization, partially funded by grants from banks and other financial institutions that support financial counseling. We do not pay or receive fees for client referrals. The Executive Office for U.S. Trustees (EOUST) has reviewed and approved only our Pre-filing and Post-filing debtor education services.*

Your Post-Filing Debtor Education certificate will be issued within three business days of completing the course, provided you submit your bankruptcy case number.

*Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services.

Fees and Fee Waivers:

The fee for Post-Filing Debtor Education is $50 per case, payable by debit card, credit card, or PayPal. We discourage credit card usage unless a family member is paying on your behalf. Personal checks are not accepted. You may qualify for a fee waiver if your income is at or below 150% of the poverty guidelines set by the U.S. Department of Health and Human Services. Use our Fee Waiver Calculator or call (855) 685-7843 for assistance. No additional fees are charged for certificate generation.

FEE WAIVER CALCULATOR

Confidentiality:

All information provided during your session, including personal and financial data, will be kept confidential and not disclosed without your written consent, unless required by law. We may aggregate data for reporting purposes, but no personal identifiers will be included.

Additional Policies:

We do not charge additional fees beyond the $50 for generating your certificate, and our agency does not pay or receive fees for client referrals, except under a fair share agreement. The Post-Filing Debtor Education course is available online in English and Spanish. For assistance in other languages, please visit the U.S. Trustee’s website.

Complaint Resolution:

If you are dissatisfied with our services, please contact us by email at bankruptcy@debtreductionservices.org or call (855) 685-7843.

You may also submit complaints by mail to: Debt Reduction Services, 6213 N Cloverdale Rd, Ste 130, Boise, ID 83713.

The United States Trustee has reviewed only our credit counseling and debtor education services and has not approved any other services we provide, the United States Trustee does not endorse or assure the quality of any one agency’s services.