Debt Reduction Services Inc.

“Budget brokerage mark rizkowsky manager owned by a director”

“Thomas smith 2388 n. Broadview place boise, id 83713 wanda hetrick-meyer 12170 chinden blvd boise, id 83713 randy siddoway 10076 arabian drive boise, id 83713 daniel burgett 3496 south ashbury way boise, id 83706 toni sutton 7023 west elmbrook drive boise, id 83703”

“He 990 was reviewed by a member of the board of directors, the chief executive officer and the chief financial officer prior to filing.”

“The director of human resources inquires of applicable individuals as to their compliance with the conflicts of interest policies on a regular basis.”

“The board of directors appointed a compensation committee. The compensation committee reviewed forms 990 from comparable organizations and used economic research institute data and aadmo data to make a recommendation to the full board who then approved the recomendation.”

“The board of directors appointed a compensation committee. The compensation committee reviewed forms 990 from comparable organizations and used economic research institute data and aadmo data to make a recommendation to the full board who then approved the recomendation.”

“The organization keeps its governing documents, conflict of interest policy, form 990, and financial statements at its corporate office and makes them available upon request.”

“Our "mission" at debt reduction services is to significantly improve the financial well-being of our clients, and assist them in achieving a better overall quality of life through credit counseling, debt management and credit and debt education programs.”

“Real solutions webinars - the same seminars that were facilitated in our offices are available as webinars through our debt reduction services and our national financial education center web sites. Since 2006, all of our webinars have been available for free to the public for anyone who has internet access, although their most recent format allows for streaming rather than downloading. In 2013, 193 separate webinars were successfully completed, an 82% increase over the previous year. Real solutions dvd-rom - debt reduction services inc., throughout 2013, made available to the general public and its clients a "real solutions seminars" dvd-rom that contains this same four-part series of webinars in addition to webinars on money management for college students, payday and other expense loans, and a smart consumer course. This dvd-rom is also listed on the jumptart coalition for personal financial literacy's online clearinghouse of financial education programs. Individual client counseling - during these one-on-one counseling sessions an individual is taught principals relating to the management of their financial lives including how to determine their net income and their expense limits, how to set up and maintain a budget, how to make necessary lifestyle changes, how their credit score affects might their life and how to manage one's credit report and score. If needed, a debt management program is created and implemented. These meetings occur either face-to- face or via teleconference. These counseling sessions were held with more than 17,286 individuals during 2013. Language-specific programs - the organization offers it financial literacy brochures, materials, and workshops in spanish so that it may better serve the hispanic population in its office locations. Debt reduction services inc. Has developed dozens of educational seminars, printed several educational brochures, and designed numerous worksheets and handouts in english and spanish. All are made available to the public and clients at no cost. Our four-part series of seminars, four of our brochures and their corresponding handout and materials were translated into spanish, in 2012 and became available for our 2013 courses. In 2013, debt reduction services inc facilitated six workshops for 176 low-income, non-english speaking recent refugees to the united states. These presentations were attended by native speakers of swahili, arabic, french, spanish, urdu, karen, and farsi, with translators working with each language group. Financial literacy coalition - the idaho financial literacy coalition is the state chapter of the jumptart coalition for personal financial literacy, which promotes financial literacy among youth and at risk populations. In 2013, the organization's director of education began serving his term as coalition president. Coalitions and associations - in 2013, the organization's director of education continued to serve as the public member of the council for certification with the american association of family and consumer sciences, the ethics committee chair for the association for financial counseling and planning education, was elected membership director of the idaho coalition against identity theft, served on the canyon county panel of idaho's keeping children safe project, and served on the federal emergency food and shelter program based in canyon county, idaho. Whenever possible, the organization makes presentations at conferences and seminars wherein they are able to offer financial education to individuals of all ages and walks of life. In 2013, our educators facilitated presentations at faith-based programs, chambers of commerce, housing authorities, affordable housing services, employee assistance programs, a state conference, the us army national guard, colleges, refugee programs, the salvation army, a veterans education program, service clubs, state human services departments, a disability advocates program, nonprofit employment services age”