New Jersey Debt Relief

Money Fit by DRS Inc. has proudly helped many New Jersey residents live debt free!

Money Fit by DRS Inc. has proudly helped many New Jersey residents live debt free!

New Jersey residents have trusted Money Fit to provide exceptional service when it comes to receiving guidance and assistance for help in navigating their debt relief needs since the 1990s. Whether individuals in New Jersey are seeking help with credit card debt, private student loans or other types of unsecured debt such as collection accounts, payday loans or medical bills, we’re always eager to help our neighbors in the Garden State!

Getting help from a nonprofit debt relief service, such as Money Fit, comes with some excellent benefits.

First, our organization exists solely to help our customers develop the behaviors, skills and knowledge needed to repay their debt and live debt free for good. Regardless of whether you become a debt management client or not, we have multiple avenues of assistance to offer.

Second, we will treat you as a friend and family member. Money Fit Credit Counselors work with thousands of individuals each year, helping them with their own personal financial struggles. Our counselors understand no two stories are alike and are ready to listen and understand yours before offering an appropriate solution.

Money Fit Credit Counselors are certified by an independent third-party to help consumers become debt free. They will treat you with respect and compassion. You may not be alone in your desire to better manage your debts, but your situation is unique. When you work with Money Fit for debt relief, you can be confident that we will listen to your goals and offer effective and respectful assistance.  


New Jersey ranked sixth in 2018 for debt carried on consumer credit cards at $9,454. Comparison to other states, New Jerseyans have an average of $1,809 more credit card debt than citizens of other states.

New Jersey Housing Trends Leading to Future Crisis

New Jersey is not alone in having a challenging housing market. New Jersey is struggling, though, to minimize the out-migration of Millennials from the state, as young people head to New York, Philadelphia, Wilmington, and even California and Florida.

Rising housing costs are not the only cause for this out-migration, though it can be considered a major factor, along with educational opportunities and lifestyle preferences.

In late 2018, the nonprofit organization Downtown NJ, hosted a conference to address housing, revitalization and emerging social, economic and demographic trends. Metropolitan centers and downtowns are seeing a trend away from the traditional suburb home with front and back yards toward condominiums with less required maintenance and closer to shopping opportunities.

Although such trends are only identifiably over decades of data, New Jersey homeowners are projected to continue seeing a moderate rise in their home values over the coming decade. Such increases in home prices will contribute to higher property taxes to current owners and a higher barrier to first-time home owners.

New Jerseyans can be confident that regardless of the financial challenges headed your way, Money Fit will have nonprofit programs and services to help you address your debt, budgeting, spending and savings struggles.


Money Fit suggests New Jerseyans be careful when looking for debt relief services. Regrettably, many for-profit businesses and even some nonprofit agencies have weak performance and achievements where debt settlement is concerned. Many will promise to get you out of half of what you owe. When it sounds too good to be true, it probably is.

Having to deal with debt can be challenging and wearisome. We hear often from panicked consumers who wished they had looked around more thoroughly for solutions to their debt before signing up with a settlement company. Too often, we learn that their debt situation turned out worse after trying to settle than it had been beforehand.

It is always advisable to ensure you understand short- and long-term effects of working with various debt companies. Consequences to consider include the total cost to you of the service, potential damage to your credit rating and whether the agency is even registered with the proper authorities. Be direct with your questions, and get all promises in writing. After all, this is your hard-earned money on the line, and you want an organization that will help you resolve your debt challenges, not add to them.


How New Jerseyans are Making Ends Meet Compared to the Rest of the US

10 Year History & Forecast of New Jersey Home Prices

Downtown NJ conference highlights social, economic and demographic trends affecting city vitality

Additional Links & Resources (Coming Soon)

  • Newark Debt Relief

  • Jersey City Debt Relief

  • Paterson Debt Relief

  • Elizabeth Debt Relief

  • Trenton Debt Relief

We deliver debt relief to all New Jersey Residents. If you’re from a city listed above you can read detailed information as to the statistics behind why debt relief is needed by many individuals in your area. Remember, you are not alone in your goal to live debt free!