Debt Consolidation in Ontario

Combine eligible debts into one structured monthly payment—with support from a nonprofit credit counselor serving Ontario and communities across 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 Ontario residents reduce debt through a nonprofit Debt Management Plan.

Debt Consolidation for Ontario Residents

From historic Euclid Avenue to Ontario Mills and neighborhoods around the airport district, many households face high costs and scattered due dates. Nonprofit debt consolidation can combine eligible debts into one predictable payment and lower the total cost of repayment over time. No hard credit pull for counseling; no obligation.

Ontario Town Square clock tower with blooming flowers and palm trees under a clear blue sky.

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 Ontario

Variable shifts in logistics, retail, and hospitality can make cash flow uneven. If high APRs and many due dates are slowing progress, consolidation can bring structure—across downtown, Ontario Ranch, and neighborhoods throughout the city.

Who we help

Consolidation may fit if you’re managing:

Credit cards and retail/store cards
Collections from utilities, telecom, or medical providers
Payday loans and other high-cost short-term debt
Medical bills and other unsecured balances

“Money Fit turned several cards into one structured plan and negotiated lower rates—now my balance finally moves.” — Daniela, Ontario

“One due date and fewer fees made the difference. Our budget holds and we’re gaining ground again.” — Miguel, Ontario

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-aligned payment schedule.

3. Creditor proposals — we request interest reductions and fee relief directly with creditors.

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 dropping
Frequent late fees or juggling many due dates
Card promo rates have ended and APRs jumped
You want a structured, nonprofit path to become debt-free

Renee’s step forward in Ontario

Renee splits her time between a distribution center and weekend shifts at a local shop. When her car broke down and her hours were cut, she leaned on credit just to cover basics. Before long, late fees and collections notices became a regular part of her week, leaving her exhausted and worried about how she could keep up.

After connecting with Money Fit, she consolidated eligible balances into one monthly payment. Her counselor sent proposals to reduce interest and waive certain fees through a Debt Management Plan—no new loan required.

Renee began setting aside a little from each paycheck and checking her budget every Sunday, using it as a way to stay grounded instead of stressed. She cut back on extras, kept receipts in a folder to see progress, and found encouragement in each small win. With fewer due dates and a clearer plan, she finally felt like she was moving forward, not backward, and hope returned to her evenings.

*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 Ontario and communities across the Inland Empire.