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Debt Relief: How to make it work for you

The Money Fit debt relief program can help you become debt-free in 5 years or less.

Our program has already helped over half a million people pay off nearly 2 billion dollars in debt and our certified credit counselors are ready to help you.

We’re a national organization that operates in all locations in the United States. Since 1996 we’ve made it our mission to help consumers not only get out of debt but stay out of debt for good.

Our Debt Relief programs may help:

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    Lower your payments by up to 50% or more
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    Put an end to collection efforts
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    Drastically reduce interest rates
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    Stop late and over-limit fees

You can enter your information to be contacted by one of our highly skilled counselors, or call us for quicker assistance. Continue reading for more information about debt relief and how you may benefit from it.

debt relief
debt relief

What is Debt Relief?

Debt relief can be summarized as either the reorganization or complete forgiveness of either an individual, business, or country’s debt that is owed to outside creditors.

At times, the term debt relief has been used to almost exclusively detailing the debt woes of countries across the globe.

Today’s ‘debt relief’ encompasses so much more and has become personalized to individual needs rather than governmental. While it still connotes the reorganization or forgiveness of debt, it signifies the weight being lifted from an individual as they dig their way out of oppressive debt.

Debt Relief can help remove stress

Over the last several decades, the damage of debt upon an individual has been explored by many organizations, doctors, nonprofits, authors, and more. The common thread uncovered relates to how unhealthy owing great sums of money can be and the stress-related issues that can arise from it. Couple that with a severe lack of available financial education in schools across America and other countries and you have a recipe for disaster.

In America, where the culture is to earn, spend, consume, rinse and repeat, without prominent financial education, we are sending our youth into adulthood without the tools, knowledge, and resources needed to control their finances and grow them into lasting wealth.

When provided by an entity that has the individual’s best interest in mind, getting help with your finances can be very successful. When done right it can provide immediate help as well as mid to long-term benefits. To accomplish this, a quality program will look to ‘cure’ the issue from occurring again, not just the immediate symptom. Then, when any monetary relief is realized it will continue to provide resources to guard against recurrence.

This remedial or holistic approach has been well received and studies show that it works, but typically it works best when there is continued follow-up or access to resources aimed at taking future preventative measures.

How Money Fit provides Debt Relief

Money Fit by DRS has provided nonprofit credit counseling to consumers for over 22 years.

We’ve helped thousands upon thousands of consumers, perhaps like yourself, not only overcome their current debt-related issues but to equip them with the skillset and knowledge to prevent the event from happening again. While this may sound harsh, the reality is that once we’ve counseled an individual and aided them in fulfilling their debt obligations, we never want to see them again unless it’s to provide additional educational materials. It’s our charter, our vision, and what we stand for.

We have excellent working relationships with thousands of creditors, many of who want the same, for their customers to overcome their current challenges and to successfully manage their finances in the future, without the need for additional help.

debt relief
debt relief

Self Debt Relief

These services, whether received through a nonprofit organization such as Money Fit by DRS Inc., or even through the act of filing bankruptcy (which should be avoided at all costs to maintain credit standing) should be used as a last resort.

If an individual recognizes there are growing financial concerns, or sees no path to getting ahead without help, they should seek help. However, people that self-identify the potential issue before it becomes a full-blown problem should consider providing their own relief of sorts.

This typically starts by controlling spending habits and developing attainable goals. Money Fit, through the Money Fit Academy, provides a trove of free financial education resources for everyone to use.

These resources are available regardless of the stage they may be in when it comes to their finances. In fact, we aim to circumvent the problem before it starts by providing many hours of classroom education presentations, beginning at grade school levels.

We strive to continue to develop and enhance our presentations and source materials so that we stay on top of the rapidly changing learning environment.

Signs that you need Debt Relief

Answering the following yes or no questions can help you determine if you have are currently facing a problem with debt.

Answering yes to any of these questions could indicate that you need to address your financial challenges.

How you proceed in dealing with your debt problems typically comes down to how severe your circumstances are.

You may find that a do-it-yourself debt management program can help you avoid deepening the financial problem. Often, an individual recognizes the warning signs of impending financial issues and is able to circumvent them by creating their own get out of debt plan. These plans typically include following a budget and determining how to apply any leftover funds in order to expedite the repayment process.

You can also speak to a professional, such as a nonprofit credit counselor. These individuals are certified and trained to assist individuals in determining where their money is going and how to distribute those dollars more efficiently. They also have structured debt management programs available that are designed to repay your unsecured debt in a fraction of the time it would take to repay your debt by just making the minimum monthly payments.


  • 1

    Do you use a large or increasing portion of your monthly income to pay your debt? Ideally, you want to have no more than 20% of your monthly income applied towards debt.
  • 2

    Are you only able to make the minimum monthly payments towards your credit card or loan payments each month?
  • 3

    Do you divert money to pay for bills that were intended for other things?
  • 4

    Are you carrying high balances on your credit cards? Are they near or at their limits?
  • 5

    Do you have to use your savings to pay bills?
  • 6

    Have you been contacted by a debt collector or credit card company regarding delinquent accounts?
  • 7

    If you have an unexpected need like a doctor or dentist visit, would you have to put it off?
  • 8

    If you or your partner were to unexpectedly lose your income would you find yourself in financial trouble right away?
  • 9

    Are you currently, or have you considered, working a second job to get by?
  • 10

    Do you feel stressed or worried when thinking about money?