Debt Consolidation in Laredo
Combine eligible debts into one structured monthly payment—with support from a certified, nonprofit counselor serving Laredo 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 Laredo 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 Laredo residents reduce debt through a nonprofit Debt Management Plan.
Debt Consolidation in Laredo, Texas
Laredo residents balance cross-border commerce, healthcare costs, and family needs every day. If multiple due dates and high interest are weighing you down, nonprofit debt consolidation can combine eligible debts into one predictable payment, reduce interest, and help you move forward—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 Laredo
From healthcare bills to household expenses, many Laredo families juggle more than one due date and feel stuck in a cycle of minimums. Consolidation provides a single, structured payment and a clearer path forward.
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 stacking up
- Payday renewals are crowding out essentials
- You want a structured, nonprofit path to become debt-free
Isabel’s turning point near San Agustín Plaza
Isabel supports her household while also caring for her parents. Groceries and utility bills went on two cards, and a payday loan covered prescription costs. Soon, renewal fees and minimums started to consume her paychecks.
After connecting with a Money Fit counselor, Isabel realized she could consolidate her balances into one affordable monthly payment. Proposals to creditors included requests for reduced interest and waived fees through a Debt Management Plan.
Within three statements, the stress of scattered due dates was gone. With fewer fees and lower interest, her balance began to fall, and she could plan ahead again. A walk through San Agustín Plaza no longer carried financial worries.
*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 Laredo
Texas Office of Consumer Credit Commissioner — 2601 N. Lamar Boulevard, Austin, TX 78705
https://occc.texas.gov/
Registration Number: 125643
Proudly serving Laredo and surrounding Webb County communities under Texas OCCC registration #125643.