Debt Reduction Services Inc
Donations deductibleRevenue
$2.3m
year to 31 December 2024
Expenses
$2.4m
year to 31 December 2024
Total assets
$1.1m
$1m liabilities
Net assets
$38k
assets less liabilities
Directors and trustees
9
6.8 years on average
Staff
26
8 volunteers
Left since last filing
0
no seats appear to have opened
Officers and senior staff
7
named in Part VII
Debt Reduction Services Inc's network
9 peoplei9 people on this map.The large node is the subject of this page. Solid lines are what the register itself records (9). Form 990 filings give names without a person identifier; SEC insider filings carry a CIK.The board
9 listediTime on the board is observed from the annual filings: the IRS files no appointment date, so the bar counts years from the first filing the person appears on - a lower bound, not a filed start date. Names are exactly as filed. The IRS publishes no person identifier, so this edition does not yet link a person across organisations.Time served and departures are observed across annual filings. Observed time served is a lower bound - a member may have joined before the first year on record. The organisation reported 7 voting members of its governing body on its latest Form 990 Part VI, which matches the board listed here.| Name | Role as filed | Since | On the board |
|---|---|---|---|
| Andrea Sorensen | Director | 2018 | 8 yrs |
| Cara Steele | President | 2023 | 3 yrs |
| Christina MAI | Director | 2021 | 5 yrs |
| Daniel Burgett | Director | 2018 | 8 yrs |
| Darrin Jaszkowiak | Director | 2018 | 8 yrs |
| Joseph T Cestaro | CEO | 2023 | 3 yrs |
| Lyle Cook | Director | 2018 | 8 yrs |
| Randy Siddoway | Director | 2018 | 8 yrs |
| Sue Quint | Director | 2020 | 6 yrs |
Under 5 years5 to 6 years6 years or more
Officers and senior leadership
7 listediNamed in Part VII as officers, key employees or highest-compensated staff - not board members, shown for completeness.| Name | Title as filed | On the filings |
|---|---|---|
| Cara Steele | Chief Operating Officer | since 2018 |
| Joseph T Cestaro | President | since 2018 |
| Mark L Rizkowsky | Chief Complliance Officer | since 2018 |
| Richard J Munster | Company secretary | 2023 |
| Tami Dillon | Company secretary | 2022 |
| Thomas Drechsler | Vice-President | since 2018 |
| Todd R Christensen | Education Manager | 2022 |
Pay and hours
year to 31 December 2024iFrom Part VII of the Form 990: compensation reported for each officer, director, trustee, key employee and highest-paid staff member, and the average hours a week they report. Most board members are unpaid; a blank means nothing was reported. Pay from related organisations is shown separately.| Name | Title as filed | Hours a week | Pay from the organisation | Related organisations | Other |
|---|---|---|---|---|---|
| Joseph T Cestaro | President and CEO | 55 | $11k | $2k | |
| Cara Steele | Treasurer | 50 | $10k | $2k | |
| Richard J Munster | Secretary | 40 | $8k | $1k | |
| Randy Siddoway | Director | 1 | $0 | ||
| Daniel Burgett | Director | 1 | $0 | ||
| Andrea Sorensen | Director | 1 | $0 | ||
| Lyle Cook | Director | 1 | $0 | ||
| Christina Mai | Director | 1 | $0 | ||
| Darrin Jaszkowiak | Director | 1 | $0 | ||
| Sue Quint | Director | 1 | $0 | ||
| Mark Rizkowsky | Director | 1 | $0 |
About
- Legal name
- Debt Reduction Services Inc
- EIN
- 820491267
- Address
- 6213 N Cloverdale Rd Ste 130, Boise, ID, 83713-4800
- State
- Idaho
- Mission
- Our mission is to promote financial responsibility in our clients and community members nationwide. We accomplish this through educational programs, counseling, and personalized services. We thus empower individuals to develop and use positive budgeting skills and effective spending behaviors, to use credit wisely, and to prevent, manage, and eliminate consumer debt. (as filed on the Form 990)
- Activity (NTEE)
- P51 Human services
- IRS classification
- 501(c)03 (tax-exempt under section 501(c)(3) where shown)
- Classified purpose
- Human Services
- Size band
- 6 (IRS master file code)
- Formed
- 1996
- Principal officer
- Cara Steele (as named on the Form 990)
- IRS ruling date
- 1 June 1997
- Status
- Code 01 (unconditional exemption)
- Form 990 filings on record
- 6, latest 2023
- IRS Publication 78
- PC (contributions deductible)
Most connected
Longest observed on the filings
≥8years on the filingsAndrea Sorensen
≥8years on the filingsDaniel Burgett
≥8years on the filingsDarrin Jaszkowiak
≥8years on the filingsLyle Cook
Latest return
year to 31 December 2024iFigures from the newest Form 990 or 990-EZ in the IRS e-file releases of 2025 and 2026, for the year ending 31 December 2024. US dollars, as filed.- Total assets
- $1.1m
- Total liabilities
- $1m
- Net assets or fund balances
- $38k
- Contributions and grants received
- $246k
- Program service revenue
- $2.1m
- Employees
- 26
- Volunteers
- 8
State registration
2 entitiesiBusiness-entity registers published by US states. These records are matched to this organisation by name and state, not by EIN, and are labelled as likely matches. Street addresses are not shown.Debt Reduction Services, Inc. likely matchiMatched by exact name and state (and ZIP where shown). State registers do not publish EINs, so this is not a confirmed match. Source: Colorado Secretary of State (CDOS), business entities (data.colorado.gov 4ykn-tg5h). Licence: public domain. Data last fetched 18 October 2026.
- State
- Colorado
- Entity type
- nonprofit corporation
- Status
- Good Standing
- Formed
- 16 May 2005
- Registered agent
- Cogency Global Inc. (city and state not held)
This register does not publish officers or directors.
Debt Reduction Services, Inc. likely matchiMatched by exact name and state (and ZIP where shown). State registers do not publish EINs, so this is not a confirmed match. Source: Oregon Secretary of State, active business entities (data.oregon.gov tckn-sxa6). Licence not stated. Data last fetched 18 October 2026.
- State
- Oregon
- Entity type
- nonprofit corporation
- Status
- Active
- Formed
- 20 July 1998
- Registered agent
- Cogency Global Inc. (city and state not held)