A free debt consultation is a service offered by credit counseling agencies or debt relief companies to individuals who are struggling with their debts. The purpose of this consultation is to help people understand their current financial situation, identify the root cause of their debt problems and explore different options available for managing their debts. During the consultation, a certified credit counselor will assess an individual's income, expenses, and debt obligations to create a personalized plan that can help them get out of debt in a sustainable manner. The best part is that this service is usually offered at no cost to the consumer, making it accessible for everyone who needs assistance with their finances.