Debt consultation refers to a process in which an individual or business seeks advice and assistance from a professional debt counselor on how to manage their debts. The goal is usually to reduce interest rates, consolidate payments, and negotiate with creditors for more favorable terms. Debt consultants can also provide education on budgeting, financial management, and other strategies to help prevent future debt problems. Overall, the purpose of debt consultation is to help individuals or businesses get back on track financially by addressing their debt issues in a responsible and sustainable manner.