Debt Consolidation in Dallas
Combine eligible debts into one structured monthly payment—with support from a certified, nonprofit counselor serving Dallas and communities across Texas.
- Consolidate credit cards, collections, payday loans, and medical bills into one payment.
- No new loan or balance transfer required.
- May reduce interest and waive certain fees through a Debt Management Plan.
- No hard credit pull for counseling; no obligation.
Explore Dallas Debt Consolidation Options
Get your free, no-obligation consultation today.
We Work With Major Credit Card Companies (and Many More)
This is just a sample of the many creditors we work with to help Dallas residents reduce debt through a nonprofit Debt Management Plan.
Debt Consolidation in Dallas, Texas
Dallas residents face rising costs, from housing to healthcare and everyday bills. If juggling multiple due dates and high interest rates is keeping you from moving forward, nonprofit debt consolidation can combine eligible debts into one predictable payment, reduce interest, and help you regain stability—without a new loan or a hard credit pull for counseling.
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.
- Stay focused on repayment and stability, not new borrowing.
Why consolidation makes sense in Dallas
Whether you’re in Oak Cliff, East Dallas, or North Dallas, many households find themselves overwhelmed with credit cards, payday loans, or medical bills. Consolidation brings structure, lower interest, and a realistic payoff plan.
Who we help
Consolidation may be a fit if you’re managing:
- High-interest credit cards
- Collections or charged-off accounts
- Payday loans that won’t let up
- Medical bills and other unsecured debts
How our program works
When to consider consolidation
- You’re paying minimums but balances aren’t dropping
- Late fees keep piling up or due dates are overwhelming
- Payday renewals are crowding out essentials
- You want a structured, nonprofit path to become debt-free
Jordan’s turning point in North Dallas
Jordan works in logistics and was covering bills with multiple cards. When a medical expense pushed him into a payday loan, fees quickly consumed his paycheck.
A Money Fit counselor reviewed his budget and helped consolidate his debts into one monthly payment. Proposals were made to creditors requesting reduced interest and waived fees through a Debt Management Plan.
Within two statements, one predictable draft replaced scattered due dates. With fewer fees and lower interest, his balance began shrinking. Life in Dallas started to feel under control again.
*The quotes and story above are representative scenarios based on common client experiences. Names and details have been modified for privacy.
Additional resources
- Low-Income Assistance in Texas
- Payday Loan Consolidation
- Budget Calculators
- Free Financial Education
- How-to Guides
Licensed to serve Dallas
Texas Office of Consumer Credit Commissioner — 2601 N. Lamar Boulevard, Austin, TX 78705
https://occc.texas.gov/
Registration Number: 125643
Proudly serving Dallas and surrounding Dallas County communities under Texas OCCC registration #125643.