Charges put in the consolidation program

When I enrolled myself in this website, I received a call from the consultant for a free counseling. He discussed on the present situation of all my accounts and we both worked out a suitable payment plan. I was not charged anything for the free counseling.

There is a charge for using the program from the consolidation company in each state. I was offered a nominal amount that I included in the first two monthly pay offs. It's very affordable for me especially after looking at the amount of money that got reduced in the form of interests charged by the creditors.

The creditors are charging high rates of interests if you pay only the minimums. Take a consolidation program and after you realize that you are becoming debt free, fees won't be a factor at all.