Debt Reduction Services, Inc. is a North Carolina nonprofit corporation, registered on October 11, 2005. It is based at 2810 Coliseum Centre Drive, Suite 120, Charlotte, NC, 28217, United States. The company is currently listed as active on the North Carolina register, is registered under company number 0807267 and carries EIN 820491267. Its E-Verify enrollment reports a workforce of 20 to 99 employees, hiring at 6 sites across 5 states. Public records for the company include 1 SoS registration, 1 license, 2 federal contracts, 1 loan record, 1 E-Verify record and 2 non-profit filings. Every fact here is republished from an official public register and traces back to a primary source document.
| Legal entity name | Debt Reduction Services, Inc. |
|---|---|
| Principal address | 2810 Coliseum Centre Drive, Suite 120Charlotte28217NCUnited States |
| Mailing address | 2810 Coliseum Centre Drive, Suite 120, Charlotte, NC, 28217, US |
| Registration state | North Carolina |
| Status | Active |
| Formed in | Idaho (foreign registration) |
| Home company | DEBT REDUCTION SERVICES, INC. · Active |
| Registered | 11 October 2005 (almost 21 years ago) |
| Entity type | Nonprofit corporation |
| Standing | compliant |
| Company number | 0807267 |
| EIN | 820491267 |
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| Employees (modeled) | ≈46 employees2009 |
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| Workforce size | 20 to 99 employees · updated 10 December 2014 |
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| Hiring sites | 6 sites across 5 states |
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| Registered agent | COGENCY GLOBAL INC |
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| Source registry | North Carolina Secretary of State · updated 15 June 2026 |
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| Public records | 1 SoS registration |
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| Est. revenue (modeled) | $24.4M2009 |
|---|---|
| Nonprofit | Yes · 1 IRS filing |
| IRS exempt status | 501(c)(3) · ruled June 1997 · contributions deductible |
| NTEE category | P51 · Human services |
| Revenue (IRS) | $2,316,028 · tax year 2024 |
| Assets (IRS) | $1,050,280 · tax year 2024 |
| Form 990 filings | 1 return · latest 990 (2017) |
| Federal contractor | Yes · 2 federal recipient records (SAM) |
| SBA loans | $406K · approved amounts |
| State | Business name | Filed | Registered agent | Officers | Status | |
|---|---|---|---|---|---|---|
| North CarolinaTHIS | Debt Reduction Services, Inc. | 2005-10-11 | COGENCY GLOBAL INC | — | Active | |
Filing ID 0807267 Jurisdiction Foreign · Nonprofit corporationFormed in Idaho Principal address 2810 Coliseum Centre Drive, Suite 120, Charlotte, NC, 28217, United States Registered agent COGENCY GLOBAL INC2810 Coliseum Centre Drive Suite 120, Charlotte, NC, 28217 Officers Not reported | ||||||
| — | DEBT REDUCTION SERVICES, INC. | 2013-05-03 | — | Richard MunsterOfficerCara SteeleOfficer | Active | |
| Alaska | DEBT REDUCTION SERVICES, INC. | 2003-05-23 | COGENCY GLOBAL INC. | CARA STEELEPresidentRICHARD MUNSTERSecretary | Active | |
| Arkansas | DEBT REDUCTION SERVICES, INC. | 2011-02-07 | COGENCY GLOBAL INC | THOMAS J. DRECHSLEROfficerCARA STEELEOfficer9 more | Active | |
| Arizona | DEBT REDUCTION SERVICES, INC. | 2005-07-25 | Cogency Global Inc | Randy SiddowayDirectorCara SteeleOfficer1 more | Active | |
| California | DEBT REDUCTION SERVICES, INC. | 2004-04-16 | COGENCY GLOBAL INC | Richard MunsterOfficerJOSEPH CESTAROOfficer2 more | Active | |
| Colorado | Debt Reduction Services, Inc. | 2005-05-16 | COGENCY GLOBAL INC | — | Active | |
| District of Columbia | Debt Reduction Services, Inc. | 1996-05-02 | COGENCY GLOBAL Inc | Cestaro, Joseph TOfficerMunster , RichardOfficer2 more | Active | |
| Delaware | DEBT REDUCTION SERVICES, INC. | 2020-01-22 | COGENCY GLOBAL INC | — | Unknown | |
| Florida | DEBT REDUCTION SERVICES, INC. | 2011-01-14 | COGENCY GLOBAL INC | Mark RizkowskyOfficer, DirectorCara SteeleOfficer2 more | Active | |
| Hawaii | DEBT REDUCTION SERVICES, INC. | 2005-07-11 | COGENCY GLOBAL INC | SIDDOWAY, RANDYDirectorMUNSTER, RICHARDOfficer1 more | Active | |
| Idaho | DEBT REDUCTION SERVICES, INC. | 1996-05-02 | Cara Steele | CATHERINE F CESTAROOfficerChristina MaiDirector11 more | Active | |
| Illinois | DEBT REDUCTION SERVICES, INC. | 2004-04-07 | COGENCY GLOBAL INC | — | Active | |
| Indiana | DEBT REDUCTION SERVICES, INC. | 2007-03-08 | COGENCY GLOBAL INC | CARA STEELEOfficerRICHARD MUNSTEROfficer | Active | |
| Kansas | DEBT REDUCTION SERVICES, INC. | 2005-05-05 | COGENCY GLOBAL INC | — | Active | |
| Kentucky | DEBT REDUCTION SERVICES, INC. | 2009-09-11 | COGENCY GLOBAL INC | andrea sorensenDirectorLYLE COOKDirector8 more | Active | |
| Louisiana | DEBT REDUCTION SERVICES, INC. | 2011-02-07 | COGENCY GLOBAL INC | DANIEL BURGETTDirectorRICHARD MUNSTEROfficer8 more | Active | |
| Massachusetts | DEBT REDUCTION SERVICES, INC. | 2011-02-09 | COGENCY GLOBAL INC | andrea sorensenDirectorChristina MaiDirector8 more | Active | |
| Maryland | DEBT REDUCTION SERVICES, INC | 2019-11-15 | COGENCY GLOBAL | — | Active | |
| Maine | DEBT REDUCTION SERVICES, INC. | 2011-08-09 | COGENCY GLOBAL INC | — | Active | |
| Michigan | DEBT REDUCTION SERVICES, INC. | 2016-05-31 | COGENCY GLOBAL INC | — | Active | |
| Minnesota | Debt Reduction Services, Inc. | 2015-08-19 | COGENCY GLOBAL INC | — | Active | |
| Missouri | DEBT REDUCTION SERVICES, INC. | 2005-09-22 | COGENCY GLOBAL INC | Christina MaiDirectorRICHARD MUNSTEROfficer8 more | Active | |
| Mississippi | DEBT REDUCTION SERVICES, INC. | 2003-06-18 | Cogency Global Inc | — | Active | |
| Montana | DEBT REDUCTION SERVICES, INC. | 2001-03-05 | COGENCY GLOBAL INC | CHRISTINA MAIDirectorDARRIN JASZKOWIAKDirector8 more | Active | |
| North Dakota | DEBT REDUCTION SERVICES, INC. | 2007-08-07 | COGENCY GLOBAL INC | — | Active | |
| Nebraska | DEBT REDUCTION SERVICES, INC. | 2011-03-22 | COGENCY GLOBAL INC | MARK J RIZKOWSKYOfficerJOSEPH CESTAROOfficer17 more | Active | |
| New Hampshire | DEBT REDUCTION SERVICES, INC. | 2018-01-10 | COGENCY GLOBAL INC | Richard MunsterOfficerCara SteeleOfficer1 more | Active | |
| New Mexico | DEBT REDUCTION SERVICES, INC. | 2005-08-12 | NATIONAL CORPORATE RESEARCH, LTD | Mark RizkowskyOfficerDarrin JaskowiakDirector12 more | Active | |
| Nevada | DEBT REDUCTION SERVICES, INC. | 2006-06-05 | COGENCY GLOBAL INC.* | CARA STEELEOfficerRichard MunsterOfficer | Active | |
| New York | DEBT REDUCTION SERVICES, INC. | 2003-03-10 | NATIONAL CORPORATE RESEARCH, LTD | — | Active | |
| Ohio | DEBT REDUCTION SERVICES, INC. | 2006-09-25 | COGENCY GLOBAL INC | — | Active | |
| South Carolina | DEBT REDUCTION SERVICES, INC. | 2005-12-05 | COGENCY GLOBAL INC | — | Active | |
| South Dakota | DEBT REDUCTION SERVICES, INC. | 2005-09-12 | COGENCY GLOBAL INC | — | Active | |
| Texas | Debt Reduction Services, Inc. | 2005-04-29 | COGENCY GLOBAL INC | Joseph T. CestaroDirectorThomas J. DrechslerDirector1 more | Active | |
| Virginia | Debt Reduction Services, Inc. | 2002-09-24 | COGENCY GLOBAL INC | Cara SteeleOfficerRandy SiddowayOfficer1 more | Active | |
| Vermont | DEBT REDUCTION SERVICES, INC. | 2012-10-23 | COGENCY GLOBAL INC | Lyle CookDirectorRandy SiddowayDirector8 more | Active | |
| Washington | DEBT REDUCTION SERVICES, INC. | 1998-07-17 | COGENCY GLOBAL INC | CARA STEELEDirector | Active | |
| Wisconsin | DEBT REDUCTION SERVICES, INC. | 2007-07-10 | COGENCY GLOBAL INC | — | Active | |
| West Virginia | DEBT REDUCTION SERVICES, INC. | 2007-07-24 | COGENCY GLOBAL INC | RANDY SIDDOWAYDirectorLYLE COOKDirector2 more | Active | |
Companies and people linked to Debt Reduction Services, Inc. in the state registers through shared officers, a shared registered agent, shared filing contacts or a shared address. Service companies file for many unrelated businesses — a shared agent, address or contact alone does not prove affiliation.
company person group former role
Browse the indexed registries by state, or look up any debtor name free, at UCC lien search.
| State | License / ID | Type | Issued | Status | |
|---|---|---|---|---|---|
| Alaska | 715411 | — | 2003-06-03 | Active | |
| Amount | Approved | Lender | Jobs | Status | |
|---|---|---|---|---|---|
| $406,400 | 04/28/2020 | D. L. Evans Bank | 38 | Paid in Full | |
| State | Workforce | Hiring sites | Enrolled | Industry | Status | |
|---|---|---|---|---|---|---|
| 5 states | 20 to 99 | 6 | 6/5/2014 | PROFESSIONAL, SCIENTIFIC, AND TECHNICAL SERVICES (54) | Open | |
Employee-benefit plan filings by Debt Reduction Services, Inc. with the Department of Labor. Employee and revenue figures are modeled estimates derived from retirement-plan participant counts and industry ratios — not official headcount or reported revenue.
| Employees (modeled) | ≈46 · plan year 2009 |
|---|---|
| Est. annual revenue (modeled) | $24.4M |
| Benefit plans | No 401(k) on file · plan terminated |
| Filing history | 11 plan years filed, 1999–2009 |
| Sponsor EIN | 82-0491267 |
| Plan year | Employees (est.) | Participants | Plan assets | Revenue (est.) | 401(k) | |
|---|---|---|---|---|---|---|
| 2009 | ≈46 | 41 | — | $24.4M | Pension | |
| 2008 | ≈51 | 66 (46 active) | $381,407 | $27.1M | Pension | |
| 2007 | ≈51 | 66 (46 active) | $587,121 | $27.1M | Pension | |
| 2006 | ≈57 | 56 (51 active) | $548,679 | $30.3M | Pension | |
| 2005 | ≈59 | 41 (53 active) | $467,467 | $31.3M | Pension | |
| 2004 | ≈43 | 39 (39 active) | $460,816 | $18.3M | Pension | |
| 2003 | ≈34 | 29 (31 active) | $298,818 | $16M | Pension | |
| 2002 | ≈32 | 14 (29 active) | $109,045 | $17M | Pension | |
| 2001 | ≈16 | 8 (14 active) | $141,320 | $8.6M | Pension | |
| 2000 | ≈9 | 5 (8 active) | $72,366 | $5.2M | Pension | |
Federal court records load when you reach this section.
Netstate aggregates public records from federal, state and municipal sources; records are matched to this company by its registered legal names. Latest source snapshot 2026-07-29. Document getpalm-companies/5331-6427-6201.