Debt Consolidation in Long Beach

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

Debt Consolidation for Long Beach Residents

From the waterfront to Bixby Knolls and Cambodia Town, Long Beach families juggle high costs and changing schedules. 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.

Downtown Long Beach skyline with palm trees, high-rises, and marina boats along the waterfront 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 Long Beach

Port shifts, hospitality schedules, and commuting costs can make progress tough. If high interest and scattered due dates are stalling you, consolidation can restore control—whether you’re near the Shoreline Marina, East Village, or neighborhoods across the city.

Who we help

Consolidation may fit if you’re managing:

Credit cards and retail/store cards
Collections from utilities or telecom
Payday Loans & other short-term installment balances
Medical bills and other unsecured debts

“Money Fit lined up one payment with my port shifts and got rates lowered—now the balance drops every month.” — Jordan, Long Beach

“Our counselor built a plan we can keep. Overdrafts stopped and we finally have room to save.” — Marisol, Long 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 overdrafts
BNPL plans or utilities in collections are stacking up
You want a structured, nonprofit path to become debt-free

Carmen’s turnaround in Long Beach

Carmen splits time between a hotel near the waterfront and evening classes at LBCC. A phone upgrade on BNPL, a utility in collections, and a high-APR card kept her budget tight.

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.

Carmen began setting weekly check-ins with herself, reviewing receipts and trimming small extras like late-night food runs and unused subscriptions. She shifted her focus toward needs first, saving for a small emergency cushion and using simple spending categories she could track easily. Within a few months, overdrafts stopped, balances began falling, and she felt confident her goals were finally within reach.

*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 Long Beach and communities across Los Angeles County.