In one sense, free debt help is most certainly available.
It exists in various forms all over the world wide web.
There are many non-professional websites offering all kinds of advice and information.
Unfortunately, the information offered is often so conflicting that it becomes useless.
Sadly, there are also many agencies that lure consumers in with claims of free services, only to demand high fees later.
Some more unscrupulous companies bury hidden costs in the fine print of contracts, taking advantage of already desperate borrowers.
Perhaps it is more useful to make the question more specific.
A better question is: "What kinds of credit card debt services can be obtained for free as part of a larger package?" One service that can be utilized for free is targeted advice.
When exploring the web, don't rely on general search terms.
Search results can only be used as a form of personal education.
A diligent search will turn up names of several companies.
Seek out specific companies and compare their services.
Ask for additional information directly form the company.
Reputable companies will be forthcoming about all the options available to the customer.
Legitimate companies never seek payment up front.
Help and advice are almost always provided without cost.
Many companies now have detailed articles about a variety of topics helpful for eliminating debt.
Contact several companies before making a final decision.
It can often be a good idea to seek professional help before hiring a debt settlement company.
It's important to remember that in the world of borrowing and lending, the term "free" takes on different meaning.
Structured payment processes do provide a form of "free" debt help.
When the reduction of unsecured liabilities occurs in stages, payment is only required when each stage reaches completion.
While not entirely free of cost, consumers do receive benefits without charge for a period of time.
As the company does help rduce the overall debt by negotiating better terms, consumers usually save more money than they pay for in services.
In this way the services "pay for themselves" in savings.
For some people, this benefit makes the services free after all the costs are calculated.
With a careful eye to details, patient research, and a cautious approach, debt relief can ultimately work out to save more money than it costs.
Thus, it can certainly be considered to be free.