Do you feel as though you are in control of your finances or do you worry that your finances are controlling you? Whether you are finding yourself at a point where, in order to pay your mortgage you aren’t able to make your credit card payments or you simply recognize that continuing to have credit card debt and outstanding medical expenses is not going to help you to reach your long term financial goals, you’re going to find that there is an easy first step to take: request a free debt consolidation quote.

Of course, even before you request a free debt consolidation quote, you are going to want to make sure that you know what you are asking for. First, you are not going to be requesting a loan, you will simply be working with a company that will provide you with an advocate who will help you to take control of your own financial situation. Similarly, you won’t be immediately seeing all of your credit card balances drop to zero; instead, the balances will stay as they are while the terms change so that repayment will be more manageable for you.

In other words, when you are looking for a free debt consolidation quote, the thing that you are actually requesting is a sense of how much you would need to pay each month if a credit counseling service worked out an agreement between you and your creditors that will ensure that you are able to reduce your debt. The reason why it makes sense to request this quote is because it will allow you to see how much you would be paying on a monthly basis in order to get yourself out of debt (and to maintain the relationship with your creditors).

By requesting a free debt consolidation quote, you will find that you are able to get a sense of whether or not the move would be the right one to help you to get out from under the amount that you owe. You will be able to see how much lower the cost would be if you were to work with a debt consolidation company rather than continuing to make multiple monthly payments or making a choice about what absolutely must be paid and what you may have to wait on.

The quote that you request when you are looking into debt consolidation should not cost you anything: you should not pay for a company to look at your situation or for services that you may or may not choose to use. Similarly, you should make sure that you are not in a position in which requesting the quote will obligate you to use the service.

Simply put, when you request a free debt consolidation quote, you are going to be exploring your options and making sure that you are making the decisions that will best meet your needs. Requesting a free quote from a credit counseling company is only the first step – a step that will help you to find an all-inclusive solution to your financial situation.