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Consumer Credit Counseling Service

provided by Debt Reduction System.Com helps people nationwide solve debt-credit problems by providing consumer counseling on personal finances giving free credit reports for credit repair and federal student loan consolidation, has helped thousands of people get out of debt, regain financial stability, and save for the future. Debt Reduction System is a non-profit community action organization whose staff members have the training and experience to help you help yourself.

Freedom from debt is just a phone call away.
We have the solution, we can help YOU !

Our Consumer Credit Counseling Service related debt consolidator counselors can answer many debt anpd credit related questions. Counseling service is available online, by telephone, and in person.

Contact us ...... NOW............For immediate debt relief.


Our consumer credit counseling service counselors here to help you in different ways, and our professionals who offer confidential services to help you on a path toward financial recovery.

Our debt management program is the safest and easiest way to become DEBT-FREE!

This is done through a consumer credit repair counseling services that is designed to assist consumers in the repayment of their unsecured debt. Creditors receive certain tax savings for contributing to the program, in return they offer reduced interest amounts sometimes as low as 0%. But only through an approved non-profit credit counseling agency can you obtain the best rates.


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Federal student loan consolidation provided by Debt Reduction System.Com helps people nationwide solve debt problems by providing consumer credit counseling services on personal finances giving free credit reports for do it yourself credit repair, has helped thousands of people get out of debt, regain financial stability. Debt Reduction System is a non-profit community action organization whose staff members have the training and experience to help you help yourself.

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• Lower Monthly Payments
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Everyone has his or her own reasons for consolidating. The reasons listed above are just a few reasons why you may consider student loan consolidation. You can consolidate with us and take advantage of low interest rates, and our money-saving payment incentives — with no minimum loan balance required. You can choose which of your loans you want to include in your Federal Consolidation Loan; you can also choose to consolidate your undergraduate loans while you are in graduate school; you can even choose to consolidate only a portion of your eligible loans


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consumer credit counseling services provided by Debt Reduction System.Com helps people nationwide solve debt-credit problems giving free credit reports for credit repair, negotiate your debt. Our credit counselors has helped thousands of people get out of debt, regain financial stability. Debt Reduction System is a non-profit community action organization whose staff members have the training and experience to help you

We have Solutions for all your CREDIT related problems !

KnockOut your debt today! Our friendly, licensed, and professional counselors here to help you settle your debt.

consumer credit counseling services has ask if Dean Graziosi real estate scam?
Are research has show that Dean is very solid and has many 5 star reviews. His real estate seminars have helped out 1000's of investors. If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector."

You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly by prohibiting certain methods of debt collection. Of course, the law does not forgive any legitimate debt you owe.

This page answers commonly asked questions about your rights under the Fair Debt Collection Practices Act.

What debts are covered?
Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for medical care or for charge accounts.

Who is a debt collector?
A debt collector is any person, other than the creditor, who regularly collects debts owed to others. Under a 1986 amendment to the Fair Debt Collection Practices Act, this includes attorneys who collect debts on a regular basis.

How may a debt collector contact you?
A collector may contact you in person, by mail, telephone, telegram or fax. However, a debt collector may not contact you at unreasonable times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves.

Can you stop a debt collector from contacting you?
Yes you can stop a debt collector from contacting you by writing a letter to the collection agency telling them to stop. Once the agency receives the letter, they may not contact you again except to say there will be no further contact. The agency may notify you if the debt collector or the creditor intends to take some specific action.

May a debt collector contact anyone else about your debt?
If you have an attorney, the debt collector may not contact anyone other than your attorney. If you do not have an attorney, a collector may contact other people, but only to find out where you live and work. Collectors usually are prohibited from contacting such permissible third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.

What must the debt collector tell you about the debt?
Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.

May a debt collector continue to contact you if you do not believe you owe the money?
A collector may not contact you if, within 30 days after you are first contacted, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.

What types of debt collection practices are prohibited?
Harassment. Debt collectors may not harass, oppress or abuse anyone. For example, debt collectors may not:
Use threats of violence or harm against the person, property or reputation;
Publish a list of consumers who refuse to pay their debts (except to a credit bureau);
Use obscene or profane language;
Repeatedly use the telephone to annoy someone;
Telephone someone without identifying themselves;
Advertise your debt.
False Statements.
Debt collectors may not use any false statements when collecting a debt. For example, debt collectors may not:
Falsely imply that they are attorneys or government representatives;
Falsely imply that you have committed a crime;
Falsely represent that they operate or work for a credit bureau;
Misrepresent the amount of your debt;
Misrepresent the involvement of an attorney in collecting a debt;
Indicate that papers being sent to you are legal forms when they are not;
Indicate that papers being sent to you are not legal forms when they are.
Debt collectors also may not state that:
You will be arrested if you do not pay your debt;
They will seize, garnish, attach or sell your property or wages unless the collection agency or creditor intends to do so, and it is legal to do so;
Actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take.
Debt collectors may not:
Give false credit information about you to anyone;
Send you anything that looks like an official document from a court or government agency which it is not;
Use a false name.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, debt collectors may not:
Collect any amount greater than your debt, unless allowed by law;
Deposit a post-dated check prematurely;
Make you accept collect calls or pay for telegrams;
Take or threaten to take your property unless this can be done legally;
Contact you by postcard.

What control do you have over payment of debts?
If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe.

What can you do if you believe a debt collector violated the law?
You have the right to sue a collector in a state or federal court within one year from the date you believe the law was violated. If you win, you may recover money for the damages you suffered. Court costs and attorneys fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever is less.

Where can you report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office and the Federal Trade Commission. Many states have their own debt collection laws and your Attorney General’s office can help you determine your rights.

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