Debt Consolidation in California

Combine eligible debts into one structured monthly payment—with support from a certified, nonprofit counselor serving California.

✓ One structured monthly payment — no new loan
Eligible debts may be organized into a single payment through a nonprofit Debt Management Plan.
✓ Personalized counseling and budget review
Review your full financial picture and receive clear, practical next steps.
✓ Possible interest and fee reductions
We work with participating creditors to seek lower rates and certain fee relief when available.

Explore Debt Counseling Programs

Free, no-obligation consultation.

We Work With Major Credit Card Companies (and Many More)

This is just a sample of the many creditors we work with to help California residents reduce debt through a nonprofit Debt Management Plan.

Debt Consolidation for California Residents

From Los Angeles and the Bay Area to the Central Valley and North Coast, California households are facing high living costs and rising interest. Nonprofit debt consolidation can simplify what you owe into one predictable payment and lower the overall cost of repayment over time. No hard credit pull for counseling; no obligation.

California sunset on the beach with palm tree silhouettes

How it helps: One monthly payment, potential interest reductions and fee relief through a nonprofit Debt Management Plan—without a new loan or balance transfer.

Reviewed by Money Fit Team • Updated September 2025

What is debt consolidation?

Debt consolidation combines eligible unsecured debts into a single, structured payment—without taking out a new loan. Through a nonprofit Debt Management Plan:

Make one monthly payment to the program.
We work with creditors to reduce interest and waive certain fees.
Focus on repayment and stability, not new borrowing.

Why consolidation makes sense in California

Californians contend with higher costs of housing, transportation, and healthcare. If multiple due dates and steep interest are keeping you stuck, consolidation can restore control—whether you live in Los Angeles, San Diego, Sacramento, San José, Fresno, or smaller communities statewide.

Who we help

Consolidation may fit if you’re managing:

High-interest credit cards
Collections or charged-off accounts
Payday loans that renew or roll over
Medical bills and other unsecured debts

“I stopped relying on balance transfers and finally saw balances drop.” — Maya, Hayward

“Consolidation turned five bills into one. I could breathe again.” — Carlos, Santa Ana

How our program works

1. Free conversation — a certified nonprofit counselor reviews your income, expenses, and debts.

2. Personalized plan — if consolidation is a fit, we design a budget-friendly payment schedule.

3. Creditor proposals — we work directly with creditors to request lower interest and fee relief.

4. One payment, ongoing guidance — you make a single monthly payment and receive support through completion.

When to consider consolidation

Minimums are getting paid but balances aren’t moving
Frequent late fees or juggling due dates
Payday loans are crowding out essentials
You want a structured, nonprofit path to become debt-free

Jordan’s reset in Long Beach

Jordan works hospitality on variable shifts. When hours dipped, he leaned on two credit cards and a buy-now-pay-later plan to bridge gaps. A medical bill pushed everything over the edge.

With Money Fit, Jordan consolidated his eligible debts into one monthly payment. His counselor submitted proposals asking for lower interest and waived fees through a Debt Management Plan. He didn’t need a new loan, and he could finally budget again.

Together they mapped a lean but realistic plan that covered rent, groceries, and a transit pass. They synced his DMP due date to his payday, enabled autopay, and set a small $300 starter emergency fund so the next surprise wouldn’t land on plastic. Jordan paused new credit applications, arranged a no-interest payment plan with the clinic, and began using Money Fit worksheets to track spending by shift. “I’m not drowning in due dates anymore,” he said. “One date, one payment, and a plan I can follow.”

Within a few billing cycles, the interest burden eased and balances started falling. The late-notice spiral stopped, and the path forward became clear.

*The quotes and story above are representative scenarios based on common client experiences. Names and details have been modified for privacy.

Additional resources

Licensed to serve California

Money Fit by DRS, Inc. is licensed and provides Debt Relief Services in the State of California.
California Secretary of State — 1500 11th St., Sacramento, CA 95814
https://bizfileonline.sos.ca.gov/
Registration Number: C2650772
Proudly serving California residents statewide.