Debt Consolidation in Fort Worth

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

Debt Consolidation in Fort Worth, Texas

From the Stockyards to downtown, Fort Worth families feel the squeeze of rising costs. If multiple due dates and high interest are keeping you from getting ahead, 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.

Daytime skyline view of Fort Worth, Texas with a bridge in the foreground

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 Fort Worth

With commuting costs, medical bills, and everyday expenses, many Fort Worth households find minimums don’t move balances. Consolidation can stabilize cash flow, curb interest, and set a dependable payoff path.

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

“One due date made our month less chaotic.” — Tasha, Fort Worth

“Lower interest meant our balances finally dropped.” — Miguel, Fort Worth

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 cropping up or due dates are hard to track
Payday renewals are crowding out essentials
You want a structured, nonprofit path to become debt-free

Renee’s turning point near Sundance Square

Renee covers childcare and retail shifts. A sudden car repair went on two cards, then a payday loan filled a short month. Minimums and renewal fees started eating each paycheck.

After a call with a Money Fit counselor, she consolidated eligible debts into one monthly payment that fit her real budget. Proposals requested reduced interest and waived fees through a Debt Management Plan.

Within a few statements, one predictable draft replaced scattered due dates. Fewer fees and lower interest meant more money hit principal—and the payday balance disappeared. Life in Fort Worth felt manageable 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 Fort Worth

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 Fort Worth and surrounding Tarrant County communities under Texas OCCC registration #125643.