Debt Consolidation in Los Angeles

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

Debt Consolidation for Los Angeles Residents

Across LA—from the Westside and Mid-City to the Valley and South LA—many households balance high rents and variable income. 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 Los Angeles skyline framed by palm trees 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 Los Angeles

Freelance schedules, contract work, and gig income can make cash flow uneven. If high APRs and scattered due dates are stalling progress, consolidation can bring structure—whether you’re near Downtown, Hollywood, the Valley, or the South Bay.

Who we help

Consolidation may fit if you’re managing:

Credit cards and retail/store cards
Collections from utilities, telecom, or medical providers
Payday loans and other high-cost short-term debt
Medical bills and other unsecured debts

“Money Fit turned multiple cards into one structured payment and secured rate reductions—now the balance drops.” — Camila, Los Angeles

“Our counselor built a plan that fits our real budget. Fees stopped and we’re finally gaining ground.” — Darius, Los Angeles

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-aligned payment schedule.

3. Creditor proposals — we request interest reductions and fee relief directly with creditors.

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 dropping
Frequent late fees or juggling many due dates
Zero-percent promos on cards are expiring and rates are spiking
You want a structured, nonprofit path to become debt-free

Andre’s reset in Los Angeles

Andre works seasonal production gigs and picks up rideshare hours between projects. A camera on a store-card promo, two general-purpose cards, and a medical bill made the month-to-month math hard.

With Money Fit, he consolidated eligible balances into one monthly payment. His counselor sent proposals asking creditors to reduce interest and waive certain fees through a Debt Management Plan—no new loan required.

What encouraged Andre most was feeling in charge again. He started tracking every fare he earned, setting aside gas money before spending on anything else. A small notebook became his budget guide, helping him see progress week by week. As rates came down, more of each payment reached principal. The late notices stopped arriving, and he finally allowed himself to believe he was building a more stable future.

*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 Los Angeles and communities across LA County.