Debt Consolidation in Huntington Beach

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

Debt Consolidation for Huntington Beach Residents

From downtown to Pacific City and neighborhoods near the pier, households in Huntington Beach juggle high living costs and shifting schedules. Nonprofit debt consolidation can combine eligible debts into a single predictable payment and request creditor concessions that lower the total cost of repayment. No hard credit pull for counseling; no obligation.

Huntington Beach Pier at sunset with red-roofed pavilion and palm trees along the sandy shoreline.

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 Huntington Beach

Hospitality, retail, events, and gig work often rise and fall with the season. If high interest and scattered due dates are blocking progress, consolidation can restore control—whether you commute to Costa Mesa/Irvine or work along the coast.

Who we help

Consolidation may fit if you’re managing:

High-interest credit cards
Collections or charged-off accounts
Payday loans or Short Term Loans that stack up
Medical bills and other unsecured debts

“I finally see progress every month instead of treading water.” — Javier, Huntington Beach

“They tied my due date to payday. Late fees stopped, and so did the stress.” — Priya, Huntington Beach

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/BNPL plans are crowding out essentials
You want a structured, nonprofit path to become debt-free

Skye’s course correction in Huntington Beach

Skye manages bookings for a small event company and runs a mobile bike-repair booth near the beach on weekends. When a slow season collided with a van transmission repair, she juggled three cards, a BNPL (buy now pay later) plan for parts, and one lingering medical bill—progress stalled.

With Money Fit, Skye chose a Debt Management Plan that aligned payments to a better payment date. Her counselor requested interest reductions, mapped out “sinking funds” for tags/repairs, and helped her realize she could split direct deposit so essentials and the DMP payment were covered before variable income arrived. She kept the side business, but with clearer cash flow and no new borrowing.

A few statements in, rates dropped and the principal finally moved. Autopay plus weekly five-minute budget reviews kept her spending on track, and the phone stopped buzzing with late notices.

*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 Huntington Beach and communities across Orange County.