Credit Card Debt Consolidation

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  • Lower Your Monthly Payments
  • Lower Your Interest Rates
  • Stop Collection Calls
  • Consolidate to One Lower Monthly Payment

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Here are Just a Few of the Major Credit Card Companies Money Fit Works With for Consolidating Debt:

The Money Fit debt management program isn’t a new loan substituting your existing debts. We’re your ally, actively negotiating with your credit card companies to alleviate your financial burden.

How Credit Card Debt Consolidation Works

The Money Fit credit card debt consolidation program can help you become debt-free in 5 years or less.

Our program has already helped over half a million people pay off nearly 2 billion dollars in debt and our certified credit counselors are ready to help you.

We’re a national organization that operates in all locations in the United States. Since 1996 we’ve made it our mission to help consumers not only get out of debt but stay out of debt for good.

Credit card debt consolidation works by taking all of the unsecured credit card debt that an individual owes and combining it into one monthly payment. The type of debt consolidation plan used determines whether the accounts are paid in full through a loan, or if the creditors owed are paid monthly through one payment source.

Money Fit offers debt consolidation without a loan, meaning that we work with your unsecured debt, contact your creditors to achieve the best interest rates and the lowest payment amounts available, then consolidate all of your debt into one lower monthly payment. Let’s look at the types of debt consolidation in a bit more detail:

Credit Card Debt Consolidation
Credit Card Debt Consolidation

How You Can Benefit From Consolidating Credit Card Debt

While many consumers define debt management differently, we can all agree that getting out of excessive consumer debt leads to greater stability, less stress, and improved chances for long-term financial success.

Debt relief, debt counseling, debt consolidation, debt negotiations, debt elimination, debt management, and Credit Card Debt Assistance all seem to mean the same thing: get rid of debt. However, they can vary widely in their meaning and method. Often, unscrupulous online actors identify themselves by one term but lead their unsuspecting clients down a completely different, and often financially disastrous, path. 

If you are looking for a program that helps you repay 100% of your debts at favorable terms, then look no further than Money Fit’s Debt Management Program. 

Consolidation can help remove stress

Over the last several decades, the damage of debt upon an individual has been explored by many organizations, doctors, nonprofits, authors, and more. The common thread uncovered relates to how unhealthy owing great sums of money can be and the stress-related issues that can arise from it. Couple that with a severe lack of available financial education in schools across America and other countries and you have a recipe for disaster.

In America, where the culture is to earn, spend, consume, rinse and repeat, without prominent financial education, we are sending our youth into adulthood without the tools, knowledge, and resources needed to control their finances and grow them into lasting wealth.

When provided by an entity that has the individual’s best interest in mind, getting help with your finances can be very successful. When done right it can provide immediate help as well as mid to long-term benefits. To accomplish this, a quality program will look to ‘cure’ the issue from occurring again, not just the immediate symptom. Then, when any monetary relief is realized it will continue to provide resources to guard against recurrence.

This remedial or holistic approach has been well received and studies show that it works, but typically it works best when there is continued follow-up or access to resources aimed at taking future preventative measures.

How Money Fit provides Credit Card Debt Consolidation

Money Fit by DRS has provided nonprofit credit counseling to consumers for over 22 years.

We’ve helped thousands upon thousands of consumers, perhaps like yourself, not only overcome their current debt-related issues but to equip them with the skillset and knowledge to prevent the event from happening again. While this may sound harsh, the reality is that once we’ve counseled an individual and aided them in fulfilling their debt obligations, we never want to see them again unless it’s to provide additional educational materials. It’s our charter, our vision, and what we stand for.

We have excellent working relationships with thousands of creditors, many of who want the same, for their customers to overcome their current challenges and to successfully manage their finances in the future, without the need for additional help.

Credit Card Debt Consolidation
Credit Card Debt Consolidation

Signs that you need Credit Card Debt Consolidation

Answering the following yes or no questions can help you determine if you have are currently facing a problem with debt.

Answering yes to any of these questions could indicate that you need to address your financial challenges.

How you proceed in dealing with your debt problems typically comes down to how severe your circumstances are.

You may find that a do-it-yourself debt management program can help you avoid deepening the financial problem. Often, an individual recognizes the warning signs of impending financial issues and is able to circumvent them by creating their own get out of debt plan. These plans typically include following a budget and determining how to apply any leftover funds in order to expedite the repayment process.

You can also speak to a professional, such as a nonprofit credit counselor. These individuals are certified and trained to assist individuals in determining where their money is going and how to distribute those dollars more efficiently. They also have structured debt management programs available that are designed to repay your unsecured debt in a fraction of the time it would take to repay your debt by just making the minimum monthly payments.

 

  • 1

    Do you use a large or increasing portion of your monthly income to pay your debt? Ideally, you want to have no more than 20% of your monthly income applied towards debt.
  • 2

    Are you only able to make the minimum monthly payments towards your credit card or loan payments each month?
  • 3

    Do you divert money to pay for bills that were intended for other things?
  • 4

    Are you carrying high balances on your credit cards? Are they near or at their limits?
  • 5

    Do you have to use your savings to pay bills?
  • 6

    Have you been contacted by a debt collector or credit card company regarding delinquent accounts?
  • 7

    If you have an unexpected need like a doctor or dentist visit, would you have to put it off?
  • 8

    If you or your partner were to unexpectedly lose your income would you find yourself in financial trouble right away?
  • 9

    Are you currently, or have you considered, working a second job to get by?
  • 10

    Do you feel stressed or worried when thinking about money?

Credit Card Debt Consolidation available in the following states:

Frequently asked questions:

The following questions are the most common questions we are asked about regarding Credit Card Debt Consolidation.

These programs work best when the type of program matches the debtor’s needs and financial situation. For individuals and households that have a regular income but are struggling to meet their monthly debt payments due to high-interest rates or overwhelming balances, programs through nonprofit credit counseling agencies have been shown to be highly effective at lowering monthly payments by negotiating with current creditors to reduce interest rates, leading to debt freedom in five years or less.

Debt relief programs are particularly effective in households that are recovering from a period of unemployment during which they survived on credit cards.

Households that have undergone a period of financially crushing medical challenges can also do quite well once the income-earner is fully employed and the medical bills are no longer multiplying. Debt relief programs can even work well for individuals and households with debts placed at collection agencies. Debt relief programs work out repayment plans with the collection agencies so that the collection account is not due in full immediately but rather paid off over one or more years.

Debt relief programs will not likely match well with the situation of individuals and households having no reliable income since participants in a debt relief program will be required to make regular monthly payments.

There is no set standard for qualifying with Money Fit due to the credit counseling services provided is available, at no cost, to any individual seeking to improve their financial situation.

After the consultation, if you and your counselor decide to proceed with a debt management plan, the qualifications for our organization to be of assistance is that there are the following items in place:

  1. There is an established hardship or need for the service.

  2. The debt added to the repayment program must be unsecured.

  3. You must show the ability to make one consolidated monthly payment.

  4. There is a maximum amount of debt, however, generally, we advise and show consumers how to repay the debt on their own if that amount is under $1,000.

Debt management programs, that have the consumer’s best interest in mind, will begin with a free credit counseling session, to determine the specific needs of the individual seeking help. They’ll first address remedial issues such as building a workable household budget, providing free financial resources or guidance, then after a thorough review, decide what the best course of action to take.

If the program, also referred to as a debt management plan, is found to be a workable solution, the following steps are to explain how the plan works:

  • Debt accrued, such as credit card, medical, collection, or other unsecured debts are consolidated into one, typically smaller, monthly payment and sent to creditors once they accept a proposal.

  • The account, if it’s open and is a revolving line of credit, will be closed to further charging and to be paid off in an expedited manner.

  • Once an account is paid in full, the overall monthly payment remains the same, and the additional funds are distributed to the next account (typically either the next lowest balanced account or the next highest interest rate affected account) in order to pay the total debt down as quickly as possible.

Consumer programs that are designed to help an individual overcome their debt are typically offered by nonprofit credit counseling organizations. When enrolled in a debt management plan, the initial response shown on your credit report may be adverse due to the requirement of the accounts being closed. Typically, as the accounts are paid on time and in full, credit scores increase and improve as balances are reduced.

The best approach to achieving a debt-free life will usually lead the consumer through the following options:

  1. Try to pay on your own, including negotiating with your creditors and the use of consolidation loans/balance transfers

  2. Work with a nonprofit consumer credit counseling agency

  3. Consider if debt settlement might be helpful, particularly with collection accounts

  4. Speak with a bankruptcy attorney

Repaying your debt on your own is the best first step because you minimize the fees you pay to others. If you cannot negotiate lower interest rates and repayment terms with your creditors, a credit counselor should be your next stop. What support is there for this recommendation?

For individuals and households with a steady income who are dealing with or have already tried to work directly with their creditors but to no avail, nonprofit programs offer the best possibility for success in repaying 100% of their debts over the short term (within 5 years or less).

Consolidating credit card debt can be a great option for relieving the major stress of indebtedness. These programs help consumers to effectively and efficiently pay down 100% of their debt within 5 years or less. To ask whether it is a good idea is to ask simultaneously the opposite question: is it a good idea to keep your debt and not seek relief? The obvious answer to both is debt relief is always a good idea, whether you achieve it on your own or with the help of a third party. Paying down consumer debts means less of your income goes to paying interest and more goes toward your top priorities.

Seeking third-party assistance is a good idea when your current monthly minimum payments are unsustainable. This typically occurs when your interest rates are in the 20% range or higher, you have gone through a period of overspending, or you have been hit with medical debts or other overwhelming expenses. These programs can help lower your interest rates into the low- to mid-single-digit range, leading to lower and more manageable monthly payments while also having you out of debt in five years or less.

Third-party assistance may not be a good idea when you have more than sufficient income to pay your minimum payments, regardless of interest rates. Creditors are less likely to provide interest rate concessions if your budget appears to allow for making far more than just your minimum payments. Most private or nonprofit programs can help with credit cards, collection accounts, medical debts, old utility and cell phone bills, store cards, and other unsecured accounts.

The FICO credit scoring model has not included participation in a credit counseling program as a direct factor for more than two decades. That said, here are four possible indirect effects a repayment program might have on your credit:

First, a repayment program works with creditors to make your monthly payments more manageable, even if you have missed or been late on a payment or two recently or have gone over your credit limit. After just one to three months, most credit card and store card creditors agree to begin reporting your monthly payments being made on time rather than late. Such positive changes in your account status can only help to improve the single most significant portion of the FICO scoring model: your history of on-time payments.

Next, the rare creditor may place a notation on your credit report that you are participating in a repayment program. This notation has absolutely no effect on your credit score. What it does, though, is to notify potential creditors who are looking at your credit report that you are in the process of paying off your previous debts and that you ought to complete that program before getting into further debt. Depending upon whom you ask, this can be a positive or negative effect. For credit counseling professionals and most of their clients, this is a positive action, since it minimizes the likelihood of the client getting into debt impulsively while in the program. Only for consumers trying to take out additional debt is this notation a nuisance. However, many creditors, such as mortgage companies and auto lenders may disregard this notation if they receive documentation that the consumer has made on-time payments to the program for the past twelve months or more.

Third, accounts placed on a program are closed to further activity. Closing an account may have no effect or a small, initial negative effect on the consumer’s credit rating, depending upon the account’s status prior to being placed on the program. For accounts that were already maxed out, an account closure may not influence the consumer’s credit rating at all. Otherwise, it may have an initial effect on the second factor in the FICO credit scoring model: balance-to-credit limit ratio.

Finally, throughout the program, as the consumer pays down his or her debt balances, any negative impact of closed accounts can be outweighed by the positive effect of lower balances. By the time they are debt-free with several years of on-time payments in their recent credit history, many clients may have credit scores in the top 10% of all consumers.

Client Credit Report Authorization

You hereby authorize and instruct Debt Reduction Services, Inc. (DRS, dba Money Fit by DRS) and/or its assigned agents to:
  • Obtain and review your credit report, and
  • Request verifications of your income and rental history, and any other information deemed necessary for improving your housing situation (for example, verifying your annual property tax obligations and homeowner’s insurance fees)
Your credit report will be obtained from a credit reporting agency chosen by DRS. You understand and agree that DRS intends to use the credit report evaluate your financial readiness to purchase or rent a home and/or to engage in post-purchase counseling activities and not to grant credit. You understand you may ask any questions pertaining to your credit report. However, while DRS will review the information with you, the company is not able to furnish you with a copy of your credit profile. You hereby authorize DRS to share your information from your credit report and any information that you provided (including any computations and assessments produced) with the entities listed below to help DRS determine your viable financial options.
  • Banks
  • Counseling Agencies
  • Debt Collectors
  • Landlords
  • Lenders
  • Mortgage Servicers
  • Property Management Companies
  • Public Housing Authorities
  • Social Service Agencies
Entities such as mortgage lenders and/or counseling agencies may contact your DRS counselor to evaluate the options for which you may be eligible. In connection with such evaluation, you authorize the credit reporting and/or financial agencies to release information and cooperate with your DRS counselor. No information will be discussed about you with entities not directly involved in your efforts to improve your housing situation. You hereby authorize the release of your information to program monitoring organizations of DRS, including but not limited to, Federal, State, and nonprofit partners for program review, monitoring, auditing, research, and/or oversight purposes. In addition, you authorize DRS to have your credit report pulled two additional times to conduct program evaluations. You also agree to keep DRS informed of any changes in address, telephone number, job status, marital status, or other conditions which may affect your eligibility for a program you have applied for or a counseling service that you are seeking. Finally, you understand that you may revoke consent to these disclosures by notifying DRS in writing.

Client Privacy, Data Security, and Client Rights Policy

NOTE: This sheet is to inform new or returning clients about our services, records, fees, and limitations that may affect you as a consumer of our services. This form also discloses how we might release your information to other agencies and/or regulators. If you do not understand a statement, please ask a Debt Reduction Services (DRS) counselor for assistance.

Debt Reduction Services, Inc. (DRS) has put into place policies and procedures to protect the security and confidentiality of your nonpublic personal information. This notice explains our online information practices and how we use and maintain your information to conduct our financial education and credit counseling sessions and to fulfill information and question requests. This privacy policy complies with federal laws and regulations.

To provide our financial education and credit counseling services, we collect nonpublic personal information about you as follows: 1) Information we receive from you, 2) Information about your transactions with us or others, and 3) Information we receive from your creditors or a consumer reporting agency. We do not share this information with outside parties.

We use non-identifying and aggregate information to better design our website and services, but we do not disclose anything that could be used to identify you as an individual.

You hereby authorize DRS, when necessary, to share your nonpublic personal, financial, credit, and any information that you provided (including any computations and assessments produced) with the following entities in order to help DRS provide you with appropriate counseling or guide you to appropriate services: third parties such as government agencies, your lender(s), your creditor(s), and nonprofit housing-related and other financial agencies as permitted by law, including the U.S. Department of Housing and Urban Development.

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. We limit access to your nonpublic personal information to our employees, contractors and agents who need such access to provide products or services to you or for other legitimate business purposes.

Debt Reduction Services, Inc. complies with the privacy requirements set forth in the HUD housing counseling agency handbook 7610.1 (05/2010), including the sections 2-2 Mc, 3-1 H(2), 3-3, 5-3 F, and Attachment A.5. At all times, we will comply with all additional laws and regulations to which we are subject regarding the collection, use, and disclosure of individually identifiable information.

  1. Services: DRS provides the following housing-related services: counseling that includes Homeless Assistance, Rental Topics, Pre-purchase/Homebuying, and Home Maintenance and Financial Management for Homeowners (Non-Delinquency Post-Purchase); Education courses that include Financial literacy (including home affordability, budgeting, and understanding use of credit), Predatory lending, loan scam or other fraud prevention, Fair housing, Rental topics, Pre-purchase homebuyer education, Non-delinquency post-purchase workshop (including home maintenance and/or financial management for homeowners), and other workshops not listed above.

Please refer to DebtReductionServices.org for details of our services.

  1. Limits: Our services are limited to our normal weekday business hours. We do not provide individual counseling or education services after hours or on weekends, although our education courses are available 24/7.
  2. Fees: We do not charge fees for our financial management counseling and education. However, if you use them, you may have to pay for our Debt Management Program, Student Loan Counseling, Bankruptcy Certificate Services or certain financial education courses (homebuyer education, rental topics, fair housing, predatory lending, and post-purchase-non-delinquency including home maintenance and/or financial management for homeowners).
  3. Records: We maintain records of the services you receive, including notes about your progress or other relevant information to your work with us. You have the right to access and view your records by making a request to your counselor.
  4. Confidentiality: We respect your privacy and offer our services in confidence with the understanding that we may share such information with auditors and government regulators. Certain laws or situations may also lead to disclosing confidential issues, such as those involving potential child abuse or neglect, threats to harm self or others, or court subpoenas.
  5. Refusal of Services: You have the right to refuse services without any penalty or loss.
  6. Disclosure of Policies and Practices: You will be provided our agency disclosure statement.
  7. Sharing of Information: Sometimes we will need to contact other agencies or we may need to share your information, including your records, with other agencies or with regulators. We will do this only if you sign this form that gives us permission except for limited reasons; please see # 5 above for examples of such situations.
  8. Other: You have the right to be treated with respect by our staff, and we expect the same from you in return. We encourage you to always ask questions if something is not clear. We also encouraged you to express your thoughts and advocate throughout our services.

You acknowledge that this authorization will remain in effect for the duration of time that DRS serves as your housing counselor or financial education provider. You also acknowledge that should you wish to terminate this authorization, you will notify DRS in writing.

Disclosure  Statement

NOTE: If you have an impairment, disability, language barrier, or otherwise require an alternative means of completing this form or accessing information about our counseling services, please communicate with your DRS representative about arranging alternative accommodations.

Program Disclosure Form

Disclosure to Client for HUD Housing Counseling Services

Debt Reduction Services, Inc. and its financial education arm, Money Fit by DRS, offer the following housing counseling and educational services related to housing, personal finance, and bankruptcy certificates to consumers:
  • Housing Education Courses: DRS offers many online self-guided education programs classified as Financial, Budgeting, and Credit Workshops (FBC), Fair Housing Pre-Purchase Education Workshops (FHW), Homelessness Prevention Workshops (HMW), Non-Delinquency Post Purchase Workshops (NDW), Predatory Lending Education Workshops (PLW), Pre-purchase Homebuyer Education Workshops (PPW), and Rental Housing Workshops (RHW). These courses help participants increase their knowledge of and skills in personal finance, including home affordability, budgeting, and understanding the use of credit, as well as predatory lending, loan scams, and other fraud prevention topics, fair housing, rental topics, pre-purchase homebuyer education, non-delinquency post-purchase topics including home maintenance and/or financial management for homeowners, homeless prevention workshop, and other workshops not listed above relating to personal finance and housing. Course details are found below under “Housing Workshops.”
  • Home Equity Conversation Mortgage (HECM) Counseling (RMC): Via telephone and virtual platforms, we offer the required HECM counseling nationwide in addition to in-person counseling in Boise, Idaho. We also offer in-home counseling options in thirty counties across southern Idaho for an additional fee to cover our travel and additional staff time costs.
  • Home Maintenance and Financial Management for Homeowners (Non-Delinquency Post-Purchase) (FBC): Clients receive counseling and materials on the proper maintenance of their home and mortgage refinancing. Clients can find help and resources by phone, in our Boise office, or virtually on all topics related to stabilizing their long-term homeownership.
  • Services for Homeless Counseling (HMC): Clients receive phone, virtual, or in-person (Boise) counseling to evaluate their current housing needs, identify barriers to and goals for housing stability, establish a path to self-sufficiency, and connect with emergency shelters, income-appropriate housing, and/or other community resources (e.g. mental healthcare, job training, transportation, etc.).
  • Pre-Purchase Counseling (PPC): Clients receive counseling through the entire homebuying process. Assistance may involve creating a sustainable household budget, understanding mortgage options, building their credit rating, and putting together a realistic action plan to set and achieve homeownership goals.  Additionally, clients will receive materials and resources about home inspections and other homeownership topics relevant to successfully maintaining a home.
  • Rental Housing Counseling (RHC): Via phone, in-person appointments (Boise, ID), or virtual platforms, clients receive housing counseling relevant to renting, including rent subsidies from HUD or other government and assistance programs. Topics can also address issues and concerns having to do with fair housing, landlord and tenant laws, lease terms, rent delinquency, household budgeting, and finding alternate housing.
DRS also offers the following services:
  • A Debt Management Program (DMP) for consumers struggling to pay their credit cards, collections, medical debts, personal loans, old utility bills, and past-due cell phone accounts;
  • The Budget Briefing and Debtor Education Certificates that are required during the Bankruptcy filing process;
  • A Student Loan Repayment Plan Counseling and application service.

Relationships with Industry Partners

Through such services, DRS has established financial relationships with hundreds of banks, credit unions, and creditors such as American Express, Bank of America, Barclays, Capital One, Chase, Citibank, Credit One, Discover, Synchrony, US Bank, USAA, Wells Fargo, and others.

No Client Obligation

The client is not obligated to receive, purchase or utilize any other services offered by DRS or its exclusive partners to receive financial education or housing counseling services. Alternatives: As a condition of our counseling services, in alignment with meeting our client services goals, and in compliance with HUD’s Housing Counseling Program requirements, we may provide information on alternative services, programs, and products available to you, if applicable and known by our staff. Alternative DMP services include negotiating better repayment terms directly with your individual creditors, paying your debts as agreed, or, in extreme cases, filing for personal bankruptcy. Alternative credit and education services can be found through MyMoney.gov or the Jump$tart Clearinghouse of online financial education resources. Housing counseling alternatives can be found through HUD at www.hud.gov/findacounselor.
Finally, you understand that you may revoke consent to these disclosures by notifying DRS in writing.

Housing Counseling and Education Fee Schedule

 

Online Education Program Fees*

Homebuyer Education Course: $59 per participant

  • Self-paced course available here, our online housing counseling and education center. Certificates will be automatically generated upon completion of the course (approximately 6-8 hours)

RentalFair HousingPredatory Lending / HOEPAPost-Purchase (Non-delinquency post-purchase workshop, including home maintenance and/or financial management for homeowners) Online Workshops: $49 per participant

  • Approximately 1 hour each

Other Self-Guided Financial Literacy Webinars (e.g. creditbudgetinghomeless preventiondebt prevention): $0

One-on-one Counseling Fees*

Pre-purchase Homebuying Counseling, Rental Counseling, Post-purchase Ownership Maintenance and Financial Management: $75

  • Session by the hour

Reverse Mortgage/HECM Counseling with Required Certificate:

  • $200†

Credit Report Fee: Paid Directly by Client

*Fees for all but our online education courses and workshops can be paid online by debit card, credit card, or PayPal or in person by cash, check or money order to: “Debt Reduction Services, Inc.” Registration fees are non-refundable 24 hours or less before the start of an in-person course or workshop. Certificates are non-transferable

*Fees may be waived for households with income of 150% or less of that identified on the US Department of Health and Human Services Poverty Guidelines Page

†Home visit counseling is available in 30 southern Idaho counties for potential HECM borrowers at additional costs to cover our travel (IRS reimbursement rates apply) and staff time ($50 per hour or fraction there).

Housing Counseling and Education Fee Schedule

 

Online Education Program Fees*

Homebuyer Education Course: $59 per participant

  • Self-paced course available here, our online housing counseling and education center. Certificates will be automatically generated upon completion of the course (approximately 6-8 hours)

RentalFair HousingPredatory Lending / HOEPAPost-Purchase (Non-delinquency post-purchase workshop, including home maintenance and/or financial management for homeowners) Online Workshops: $49 per participant

  • Approximately 1 hour each

Other Self-Guided Financial Literacy Webinars (e.g. creditbudgetinghomeless preventiondebt prevention): $0

One-on-one Counseling Fees*

Pre-purchase Homebuying Counseling, Rental Counseling, Post-purchase Ownership Maintenance and Financial Management: $75

  • Session by the hour

Reverse Mortgage/HECM Counseling with Required Certificate:

  • $200†

Credit Report Fee: Paid Directly by Client

*Fees for all but our online education courses and workshops can be paid online by debit card, credit card, or PayPal or in person by cash, check or money order to: “Debt Reduction Services, Inc.” Registration fees are non-refundable 24 hours or less before the start of an in-person course or workshop. Certificates are non-transferable

*Fees may be waived for households with income of 150% or less of that identified on the US Department of Health and Human Services Poverty Guidelines Page

†Home visit counseling is available in 30 southern Idaho counties for potential HECM borrowers at additional costs to cover our travel (IRS reimbursement rates apply) and staff time ($50 per hour or fraction there).