In order to be eligible for a debt settlement or credit counseling program, your debt must be from credit cards, medical bills, store cards, or personal loans, you might consider debtRead more… This includes information about credit card consolidation options like debt settlement and credit counseling and the type of company you are matched with depends on your non profit debt relief amount and the state in which you reside. Debt Free Destiny not only offers consumers the ability to get a free consultation from a BBB-accredited debt consolidation company, but also useful articles about the wide-array of debt relief options that are available for consumers.