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.”

“Which we tirelessly promote financial literacy in populations we serve. In 2014, we were particularly in the idaho military financial alliance, we promoted financial literacy at booths (such as military family day at the boise zoo) and on base for military personnel and their families. During 2014, all income received and all expenditures incurred by the organization were for the successful implementation of the following programs and services: real solutions webinars - this four-part series of one-hour online workshops, free and open to the public, offers four core financial education topics revolving around debt reduction services inc's mission: personal and household budgeting, developing effective spending habits, using credit wisely, and preventing and eliminating excessive consumer debt. In 2014, 98 separate webinars were successfully completed by individuals referred by housing authorities, property management companies, colleges and nonprofit agencies. 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 21,023 individuals during 2014. Language-specific programs - the organization offers it financial literacy workshops, materials and brochures 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 are available at no charge to workshop participants and agency clients. In 2014, debt reduction services inc facilitated four workshops for 167 low-income, non-english speaking recent refugees to the united states. These presentations were attended by native speakers of swahili, arabic, french, spanish, russian, 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 2014, the organization's director of education served as coalition president. Coalitions and associations - in 2014, 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, a member of the awards committee for the association for financial counseling and planning education, served as secretary of the canyon county panel of idaho's keeping children safe project joined the advisory board of the center for new directions at the college of western idaho in nampa, 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 2014, our educators facilitated presentations at faith-based programs, housing authorities, business employee education programs, refugee programs, elementary schools, middle schools, high schools, work training programs for at risk youths and young adults, colleges, foster youth support agencies, head start parent programs, idaho's state treasurer's smart women smart money annual conferences, businesses, the annual conference of t”