It all begins with a free consultation, during which you'll focus on your funds and your debts with a licensed debt specialist. Debt Reduction Services has no minimal debt amount to qualify for their plans, and either way, their credit counseling providers are always free. Your licensed debt counselor will also allow you to develop a household budget that can work together with your lifestyle and your targets.

But it’s a good idea to verify with all your collectors to be sure they offer…