It depends on your particular circumstances. However, your initial consultation should always be free to equip you with the knowledge that you need to become debt-free. If the debt specialist feel that you may require additional help, they may suggest a plan that would require debt relief specialists to negotiate settlement with your creditors, in which there’s a fee involved with this – but no payment will be made until at least one settlement offer is accepted. Keep in mind that in any scenario, the amount that you pay today will drastically be reduced to a small monthly figure that you can afford, which would include any fees.