You have arrived at the conclusion that you need a debt solution, but you are as yet unsure of your choices. If you are ready to make a commitment to solving your debt problems you might want to start examining what the real solutions can be for you. What is your situation? Are collection agencies hounding you? Do you need a quick fix to your debt issues? Once you are in the right mindset you can find the solution that works best for you. One way to begin is to do research on a free debt consolidation quote. Quotes are helpful up to a point. They can give you an idea of what you are looking at. Most companies working with debt consolidation loans will provide you with a free debt consolidation quote.
It is not very difficult for them to come up with a quote. Most of the time, it is based on a computer program. Added to this information, you should also know that in a mortgage situation the underwriters and even real estate agent do not get paid unless they have made prior arrangements with you or you go through with the sale. I mention this because they too offer you a free quote regarding a mortgage. It would be nonsensical to go with a debt consolidation company that does not provide a free debt consolidation quote.
A free debt consolidation quote is a guideline for you to make a decision. You should not consider this the Holy Grail of debt solutions. The actual mortgage, loan, or APR can change once you get to the final proceedings. A quote unlike a disclosure statement is not covered under the Truth in Lending Act. The Truth in Lending Act states that a disclosure statement or financial statement must be within a certain range for the interest rate, fees, and loan amount. A quote on the other hand does not have to be this way. Instead the free debt consolidation quote could be very low and when you receive the disclosure paperwork it can be much higher.