As with most other consumer financial products, the idea behind debt assistance is to help you get your monthly obligations under control and get your credit score back to where you want it to be. It is the idea that you should have the option to take your high interest rate credit card debt and reduce it to the point where you can afford to pay your bills again and have cash left over every month. Debt consolidation is the idea that everyone gets them behind the eight-ball once in a while, and there should be a way to help get out of that trouble and back on track.
The process is a one on one interaction between you and your debt expert. This one uses the financial stability of their organization to help formulate programs that will help you get your financial obligations under control. Paying bills is hard work, and if there is anything that can be made to make that hard work a bit easier then it is well worth it to at least check that process out.
An experienced debt professional discusses your situation with you, and then they put together a program that will help you get all of your high interest rate credit card debt or other arrays under the umbrella of one low interest rate monthly loan payment. You save hundreds a month on your monthly budget, and you can take that extra monthly cash flow and use it to pay off other debts or just put in the bank to save for a rainy day.
That is the main driving force behind professional debt consulting. It is the process of helping you take your monthly obligations and reduce them to the point of you being able to save money every month if you so choose through a loan or by settling debt if that is your best option.