Debt reduction service boise idaho
Debt reduction services, also called as DRS, is located in boise, idaho and is basically a not for profit full service credit counseling and debt management service s organization. It was formed in the year 1996 and since than, it has helped thousands of people in becoming debt free and reducing their overwhelming debts. Main objective of this organization is to improve the financial condition of clients considerably and help them in achieving a better quality of life. This is done through processes like debt management, credit counseling and debt education.
Main service s offered by debt reduction service s are low cost debt management programs, free budget counseling, free credit counseling, and community education programs. It is fully committed for providing necessary education to the general public. A person can expect highest quality of service s as well as instructions from debt reduction service s and if needed, these instructions are also coupled with various types of debt management programs. A person can easily approach debt reduction service s at 6213 N. Cloverdale Road, Suite 100, boise ID 83713. Its contact number is 208-378-0200 and its toll free number is 877-877-1143. Apart from its headquarter in boise, it also has 13 branch offices located in 13 states across U.S and thus, clients can approach debt reduction services throughout the nation.
If mission of this organization is seen, it is to promote the financial responsibility in the community members and clients located across the nation. Individuals are empowered for developing and using effective spending patterns and budgeting skills. They are also education about wise use of credit. Overall, it can be said that debt reduction service s helps people in preventing, managing and eliminative various types of consumer debts. It is important to note here that this organization is ISO 9001:2000 certified and all the credit counselors attached with this organization are educated and certified by the National Institute for Financial Counseling Education which is an independent body recognized by the state regulators, debt management industry and creditors. It is also a member of BBB or Better Business Bureau as well as AADMO or American Association of debt Management Organizations. Remember, AADMO is the largest association in the debt management industry in U.S.
Services Offered by debt reduction services
Let us discuss in detail the service s offered by debt reduction services. Through free and confidential from the certified counselors at DRS, a person can easily develop an effective budget that helps him in managing money easily and in building a solid savings plan. For this purpose, current financial situation is reviewed for determining the best possible solutions. A person can start the process of becoming debt free by way of free and no-obligation consultation. Location of nearest office of debt reduction service s can be found by calling at the toll free number. It also offers various types of approved service s pertaining to bankruptcy. For example, a person can easily get the online debt or education course after filing bankruptcy at DRS. It is important to note here that under the new bankruptcy laws, a person is required to get a counseling on various alternatives available for bankruptcy before filing the bankruptcy. This briefing should be obtained from the counseling service that has been approved by the U.S Trustee. Similarly, he is also required to get an instruction course regarding personal financial management from the approved agency before receiving the discharge. Both these requirements are fulfilled by debt reduction service s. It also offers pre-bankruptcy fling approved credit counseling service s that are offered by the independent and certified advisors. This is done through 13 offices and through the telephone counseling department. In some cases, same day appointments are also offered.
Other important service offered by the debt reduction services is debt consolidation. This is offered as a part of debt management plan. There are many types of benefits received through this program. For example, a person can easily consolidate his all debts in one payment only, he can reduce his overall monthly payment obligations, he can reduce his high interest debts and he can eliminate over limit and late fees. Through one consolidated payment made to DRS, all creditors of a person are paid and over a period of time, a person becomes debt free. One important aspect regarding debt management service s offered by DRS is that clients are assisted by a highly trained support team that monitor his accounts and remains in frequent contact with clients throughout the debt management program. This ensures that process chosen by a person is completed successfully. debt reduction service s is known for professional and courteous support, knowledgeable staff, and attention regarding customers.
Money Management Education is other service offered by debt reduction service s. It provides this program at no cost to its clients, communities and other guests. This program is aimed at making a person debt free and providing a secure and stable future. Individuals and groups are educated in different types of settings for the achievement of goals. This includes one to one credit counseling, group seminars held at office, and outreach seminars meant for the community within public and private organizations. Education programs offered by DRS aim at developing proficiency in clients in four basic ways. These are personal and household budgeting, developing effective spending habits, debt elimination strategies and using credit wisely.">">">">">">
Various types of unsecured debts that can be effectively reduced and eliminated by getting service s of DRS are credit card debt, personal loans, department store credit cards, autos, overdue rent, oil and gas credit cards, student loans, finance company loans, old utility bills, IRS taxes, state taxes, payday or check cashing loans, overdue child support, medical and hospital bills and all other types of unsecured debts.
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