Privacy Policy

Online Information Gathering Policy

Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and how your information is used in order for us to conduct our credit counseling sessions and fulfill information and question requests.

The Information We Collect

This notice applies to all information collected or submitted on the Debt Reduction Services website. On some pages you can request to receive information or submit questions. The types of personal information collected at these pages are:

  • Name
  • Address
  • Email address
  • Phone number

Within our online application, you may submit extensive personal information about yourself beyond that which is listed above and includes, but is not limited to:

  • Creditors Name
  • Account Balance
  • Monthly Payment and Interest Rate
  • Account Status

We may also collect personal information from users of the website through the use of Google Analytics GA4. This information may include, but is not limited to, data such as IP address, location, browser type, and website usage. This information is collected for the purpose of analyzing website usage and improving the user experience.

The Way We Use Information

We use the personal information you provide about yourself to conduct our credit counseling session with you. We do not share this information with outside parties.

We use return email addresses to answer the email we receive. Such addresses are not used for any other purpose and are not shared with outside parties.

You can register your email address or postal mailing address with our website if you would like to receive additional information. Such addresses are not used for any other purpose and are not shared with outside parties.

We use non-identifying and aggregate information to better design our website, but we do not disclose anything that could be used to identify you as an individual.

The personal information collected through the use of Google Analytics GA4 will be used to analyze website usage and improve the user experience. We may also use this information to personalize content and advertisements, and to send email communications.

Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above.

Cookies and Tracking Technologies

We use cookies and tracking technologies to collect information about website usage and to personalize content and advertisements. Users can control the use of cookies at the individual browser level.

Our Commitment To Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

How You Can Correct Your Information

You can correct factual errors in your personally identifiable information by sending us a request that credibly shows error.

To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.

How To Contact Us

Should you have other questions or concerns about these privacy policies, please call us at 866-688-3328 or send us an email at

Use of Testimonials:

Each testimonial listed on the Debt Reduction Services Inc. company website was provided by individuals of their own free will and by those who have tried the service and or the product and offered their personal, honest opinions. There has been no compensation for these testimonials, nor has anyone been urged to provide a testimonial to Debt Reduction Services. The testimonials are kept on file at our Corporate Headquarters in Boise, ID.

The names of individuals and their locations have been omitted. Occasionally a grammatical change or spelling correction has been made, otherwise, the text from the testimonials has been left unchanged.

State Disclosures


Not a loan company.


Please be advised that establishment of a plan may adversely affect your credit rating or credit scores. Nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation.


Debt Reduction Services Inc. does not lend money.


We do not lend money.


The Kansas Office of the State Bank Commissioner will accept questions from consumers regarding Debt Reduction Services Inc. (Registration #CSO.0000012) at:

700 SW Jackson,
Suite 300
Topeka, Kansas, 66603
or by calling toll-free 1-877-387-8523


The Commissioner of Financial Regulation for the State of Maryland will accept questions and complaints from Maryland residents regarding Debt Reduction Services (license #1006969) at 500 North Calvert Street Suite 402 Baltimore, MD 21202. 1-888-784-0136.

Debt Reduction Services NMLS Unique Identifier #1006969.

The link to NMLS Consumer Access is


Michigan Licensed Debt Management Company

Address: 530 W Allegan St  7th Floor, Lansing, MI 48933

(877) 999-6442

Required Michigan Disclosures

License Number: #DM-0020620


Debt Reduction Services, Inc. is a “Licensed Debt Management Service Provider” regulated by the Department of Banking and Consumer Finance, of the State of Mississippi. License #36/2013.

New York

If you have any inquiries about the status of Debt Reduction Services Inc., a licensed Budget Planner regulated by the New York State Department of Financial Services, you may call the Banking Department’s toll-free number, (800) 342-3736.

This is not a customer service phone number for Debt Reduction Services Inc. To reach a customer service representative at Debt Reduction Services Inc., call toll-free 1-866-688-3328.


Debt Reduction Services, Inc. Officers:
Joseph T. Cestaro, Chief Executive Officer
Mark Rizkowsky, Chief Compliance Officer
Cara Steele, Chief Operating Officer


Debt Reduction Services, Inc. is a “Licensed Debt Management Service Provider” regulated by the Department of Consumer and Business Services, of the State of Oregon.
License # DM-80018.


Debt Reduction Services, Inc. is licensed by the Virginia State Corporation Commission. License # DC-35

Telephone Consumer Protection Act

The Telephone Consumer Protection Act requires that you verify your email and telephone numbers. I consent to receive email, SMS and/or phone calls from DRS. I understand that consent is not required to receive free information or make a purchase.

Debt Reduction Services, Inc. Privacy Statement

We respect your personal and financial information. We do not share your information with third parties unaffiliated with us. We only use and share information to perform our obligations under our agreement with you and as permitted or required by law. We are careful to use only accurate, current, and complete information. We will correct any erroneous information if you so request. We are also careful to protect the security of your information from third parties and unauthorized access. Please call us at 1-877-688-3328 or e-mail if you have any questions or concerns about your personal or financial privacy.

We do not sell any information about our clients to anyone and we do not disclose any personal information about our clients, except as set forth in this notice, and as necessary or required to conduct our business and provide you with the services you have requested.