Debt Consolidation in Dallas

Combine eligible debts into one structured monthly payment—with support from a nonprofit credit counselor serving Dallas and communities across Texas.

✓ 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 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.

Vibrant midday view of the Dallas skyline in Texas

How it helps: One monthly payment and potential reductions in interest and fees through a nonprofit Debt Management Plan—without new borrowing.

Reviewed by Money Fit Team • Updated August 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.
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

“Having one due date gave us breathing room.” — Angela, Dallas

“With lower interest, our balances finally moved.” — Thomas, Dallas

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 request reduced interest and fee relief where available.

4. One payment, ongoing guidance — you make a single monthly payment and receive support through completion.

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

Licensed to serve Dallas

Money Fit by DRS, Inc. is licensed and provides debt relief services in Texas.
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.