About Money Fit | Nonprofit Credit Counseling Organization (2024)

Money Fit offers help to households in financial crisis as well as individuals, couples, college students, seniors, and all others hoping to find trusted educational and counseling programs for their personal finances.

From debt reduction and credit building to budgeting and saving for emergencies, Money Fit is a nationwide nonprofit resource for consumers to turn to for trusted guidance and help on the road to their financial goals.

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  Our clients are generally employed earning sufficient income to repay their debts if only their creditors would lower their interest rates and stop charging late and over-limit fees. Others we help may not have full-time employment, but they have regular income from social security, disability, pensions, settlements, or other steady resources.

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  We often find that those seeking our assistance have recently ended a period of unemployment, undergone some major medical procedures, gone through a difficult divorce, or even lost an expensive lawsuit. Consequently, they are saddled with thousands, often tens of thousands, and in some cases hundreds of thousands of dollars of debt.

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  We are also happy to help individuals, from new adults to seniors and everywhere in between, deal with any consequences of periods of impulse spending, unexpected or unplanned major purchases, or just plain overspending. Such individuals and couples never find reproachful or condescending counselors but only support, resources, and services to help them re-establish their finances.

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  The backbone of our services is a debt management program that helps consumers repay 100% of their unsecured debts. Individuals and households concerned with or struggling to meet their monthly payment obligations on credit card debts, medical debts, collection accounts, old utility, cell phone bills, and even payday loans will find direct and beneficial services through our certified credit counselors.

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  Consumers dealing with credit cards that carry high-interest rates (anything above the national average of 14% to 17% APR) can find relief through creditor concessions negotiated by Money Fit.

• 

  We often find that those seeking our assistance have recently ended a period of unemployment, undergone some major medical procedures, gone through a difficult divorce, or even lost an expensive lawsuit. Consequently, they are saddled with thousands, often tens of thousands, and in some cases hundreds of thousands of dollars of debt.

• 

  We are also happy to help individuals, from new adults to seniors and everywhere in between, deal with any consequences of periods of impulse spending, unexpected or unplanned major purchases, or just plain overspending. Such individuals and couples never find reproachful or condescending counselors but only support, resources, and services to help them re-establish their finances.

• 

  The backbone of our services is a debt management program that helps consumers repay 100% of their unsecured debts. Individuals and households concerned with or struggling to meet their monthly payment obligations on credit card debts, medical debts, collection accounts, old utility, cell phone bills, and even payday loans will find direct and beneficial services through our certified credit counselors.

• 

  Consumers dealing with credit cards that carry high-interest rates (anything above the national average of 14% to 17% APR) can find relief through creditor concessions negotiated by Money Fit.

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.

Everything we do at Money Fit by DRS revolves around educating our clients and communities. In establishing Debt Reduction Services as a 501(c)3 nonprofit agency back in the 1990s, our founder identified financial education as our chartered nonprofit purpose. Our debt counselors’ first obligation is to help the client put together and understand a workable household budget. Every counseling session includes a referral sheet to financial education resources applicable to the client, whether these include our own workshops, webinars, and online materials or those of government and other community organizations.

We long ago committed to our clients, funders, and even regulators that we would always offer financial education programs, resources, and materials at no cost to anyone meeting with us by phone, in person, or electronically.

Finally, we have developed scores of webinars and workshops that our educators and managers have facilitated over the years for tens of thousands of community members in churches, schools, jails and prisons, and even businesses and other nonprofit agencies.

We’ve been fortunate to continue to be published in major media outlets such as Mint.com, Huffpost, CreditCards.com, Fair.com, AARP & many more.

For a list of all media & news mentions, please visit: