Hi Linda,
Welcome to the forums.
The question that you have asked is one of the frequently asked one. As far as I know, some companies do charge some fee for consolidation of debts. They usually charge a one-time set up fee for that. However, most of the companies offer consultation free.
As this site also provides free consultation, you can become a member by simply filling up the
sign up form.
This URL will get you enrolled to this site and in a short while a consultant will get in touch with you to guide you through the process.
To know more about the benefits of debt consolidation you may go through this article. This wil give you a more in-depth idea about this topic.
http://www.debtconsolidationcare.com/benefits.html
Please feel free to come back with more queries.
Regards,
Peter