A debt consultant calls you over the phone for a no obligation free debt counselling session. During the course of the free debt counselling session, a thorough evaluation of your financial situation is undertaken. If you approve, the debt consultant will contact the creditors and begin negotiation. Negotiation is done to reduce debts and waive off any interests or default charges. Your debts get consolidated into a single account and it saves you from dealing with different creditors simultaneously. You will also stop receiving harassing calls from creditors or collection agencies. * The debt consultant will guide you to deal with your debts better. He will help you to budget your expenses and repair your credit. Is debt consolidation good? In majority of the cases, debt consolidation has been found to be a good option for people who are burdened with debt and wish to lead a debt free life. Benefits of consolidating debt and amount saved by consolidating your debt make it THE right option.