A consultant calls you over the phone for a free debt assistance session. He evaluates your financial situation in order to suggest the right option for you.
Once you agree to what the consultant suggests, he will start negotiating with your creditors. Negotiation is meant to lower interest rate on your bills and waive off any late fees. This is to ensure that you can afford payments and pay off debts faster. You can also avoid harassing calls from creditors/collection agencies.
The consultant will guide you to manage your finances in a better way. He'll also help you to budget your expenses and improve your credit score.
