All consultations are completely free to determine what consolidation option works best for you. As with all Credit Counselling/Debt Management organizations, we do have a small monthly “fee for service”. However, it is quite nominal and is offset with the amount you will be saving in interest and service charges being eliminated or reduced from your creditors. Keep in mind, you will be “debt free” in 5 years or less, substantially less than the 25 – 35 years the credit card companies state on their statements. Imagine the savings. Learn more about our fees.