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Founded in June of 1996, Debt Reduction Services, Inc. (DRS) is a nonprofit organization specializing in Consumer Credit Counseling and Debt Management services. Over the years, DRS has made a significant impact on the lives of numerous individuals by assisting them in enhancing their financial well-being.

DRS is committed to empowering consumers with the necessary knowledge and tools to achieve financial stability. One of the key ways they accomplish this is by offering free financial education to their clients. By equipping individuals with essential financial literacy, DRS helps them make informed decisions and develop effective money management skills.

Todd Christensen – Author, Financial Educator, Counselor, Facilitator, Lecturer, Speaker, Accredited Financial Counselor®, AFPCE, and HUD Counselor


Todd Christensen, MIM, MA, is an accomplished professional with a diverse educational background. Holding both a Master of International Management (MIM) degree and a Master of Arts (MA) degree in French Studies, Todd’s expertise extends beyond the financial realm.

Currently serving as the Education Manager at Debt Reduction Services, Inc. and Money Fit by DRS, Inc., a nationwide nonprofit financial wellness and credit counseling agency, Todd plays a crucial role in developing educational programs and creating materials that promote personal financial skills and responsibilities for individuals of all ages.

With his extensive experience, Todd has facilitated nearly two thousand workshops since 2004, focusing on the fundamental principles of effective money management. These workshops have provided individuals and couples with the knowledge and tools they need to make informed financial decisions and achieve financial stability.

Based on the valuable discussions, tips, stories, and ideas shared by the tens of thousands of attendees, Todd authored the book “Everyday Money for Everyday People” in 2014. The book serves as a practical guide, drawing from real-life experiences, to help readers navigate their financial journeys successfully.

As an Accredited Financial Counselor®, Todd Christensen brings a wealth of knowledge and expertise to his role at Money Fit by DRS, Inc. His dedication to financial education and his ability to effectively communicate complex financial concepts make him an invaluable asset in empowering individuals to take control of their finances and build a solid foundation for the future.

Contact Todd for interview requests & other press needs, speaking engagements & workshops.

Contact Todd for interview requests & other press needs, speaking engagements & workshops. Email Todd

Rick Munster – Compliance Manager, Media Manager, Board Member of FCAA, Writer, Web Developer, Certified Financial Counselor, and Certified HUD Counselor

Rick Munster - Debt Reduction Services

Rick has had a long and dedicated career with Debt Reduction Services, Inc and Moneyfit by DRS, spanning 16 years. In the early stages of his career, he held managerial positions in two important divisions of the organization: customer service and credit counseling. These roles provided him with a solid foundation in understanding and addressing the needs of the organization’s clients.

Over time, Rick found his true passion in marketing and transitioned into his current role as the manager of the organization’s marketing efforts. With his positive and problem-solving mindset, Rick is known for going above and beyond to assist others. He is the kind of person who would gladly give the shirt off his back to help someone, all the while wearing a smile.

In his role, Rick effectively conveys a message of help, hope, and a brighter future to consumers who are struggling with debt. He combines his positive outlook with his problem-solving skills to guide and support individuals in regaining control over their financial situations. His ability to connect with people on a personal level and inspire them to act sets him apart in his field.

Since 2022, Rick has taken on the role of Compliance Manager and ISO Lead Auditor at his organization. His extensive experience and involvement in this field for many years have positioned him as a trusted authority in ensuring regulatory compliance and overseeing the ISO standards within the organization.

Rick’s exceptional organizational skills and meticulous thought process make him exceptionally well-suited for his role as Compliance Manager. Compliance management requires careful attention to detail, an understanding of complex regulations, and the ability to implement effective processes and procedures. Rick’s knack for organizing information and his systematic approach enable him to create and maintain compliance frameworks that meet industry standards.

As the ISO Lead Auditor, since 2006, Rick plays a critical role in ensuring that the organization adheres to ISO standards. ISO standards provide guidelines for quality management systems, and as the lead auditor, Rick oversees the implementation, maintenance, and improvement of these systems. His expertise in this area helps the organization consistently meet the requirements and expectations set by ISO, which enhances the organization’s overall performance and credibility.

Rick’s longstanding involvement in compliance management and ISO auditing showcases his commitment and dedication to maintaining high standards within the organization. His ability to streamline processes, identify potential risks, and implement effective solutions positions him as an asset in ensuring regulatory compliance and continuous improvement.

Contact Rick for interview requests, marketing opportunities, guest posting & online content contributions.

Contact Rick for interview requests, marketing opportunities, guest posting & online content contributions. Email Rick

Eric Lehtonen – Writer, Web Developer, Certified Financial Counselor, Artist and Graphic Designer, and Social Media contributor


Eric has built a wealth of experience and expertise in the financial and credit counseling sector through his dedicated years of service. Currently, he holds the position of a certified credit counselor at Debt Reduction Services, where he utilizes his extensive knowledge to help individuals effectively manage their debts. Throughout his career, Eric has consistently demonstrated a strong commitment to empowering consumers with the necessary knowledge and tools to navigate their financial challenges successfully.

In his role as a certified credit counselor, Eric plays a vital role in assisting individuals who are struggling with debt. He understands the complexities and stress that financial difficulties can impose on individuals and families. With his expertise, he provides personalized guidance and support to help clients regain control of their financial situations and work towards a brighter future.

One of Eric’s key strengths lies in his ability to educate and inform consumers about their financial options. He recognizes that financial literacy is essential for individuals to make informed decisions about their finances. With his extensive knowledge in credit counseling, he equips clients with the necessary information to understand their debt management options and to overcome financial challenges. He has contributed many articles for Financial wellness.

Eric’s commitment to consumer empowerment extends beyond providing immediate solutions. He focuses on long-term financial stability by teaching clients’ valuable skills and habits that will serve them well beyond their immediate debt management needs. By promoting financial literacy and responsible financial behaviors, Eric helps individuals develop sustainable financial practices that can improve their overall financial well-being.

Furthermore, Eric’s approach is rooted in empathy and understanding. He recognizes that each client’s financial situation is unique, and he takes the time to listen attentively and empathize with their challenges. By building a trusting and supportive relationship with his clients, he creates a safe space where individuals can openly discuss their concerns and goals. This personalized approach allows him to tailor his advice and recommendations to each client’s specific needs and circumstances.

Throughout his career, Eric has witnessed firsthand the positive impact that effective debt management can have on individuals and families. He is driven by a genuine desire to make a difference in people’s lives, and his passion for helping others is evident in his work. Eric’s dedication to his clients and his ability to guide them through challenging financial situations have earned him a reputation as a trusted and reliable credit counselor.

In summary, Eric’s extensive experience in the financial and credit counseling sector, combined with his commitment to consumer empowerment, makes him a valuable asset to Debt Reduction Services. His personalized approach, emphasis on financial education, and dedication to long-term financial stability contribute to his effectiveness in helping individuals manage their debts and navigate their financial challenges successfully. By empowering the public with knowledge, support, and practical strategies, Eric plays a crucial role in improving their financial well-being and helping them build a more secure financial future.

Contact Eric for marketing opportunities, online content contributions, as well as social media requests. Email Eric