If you are feeling overwhelmed by unsecured debts such as credit cards, installment loans, student loans or medical bills, then Cambridge Credit Counseling can probably help you.

The conselors at this national non-profit are both compassionate and professional. They work with you to combine all you debt into one consolidated payment and obtain much lower interest rates from your creditors than you would ever be able to do on your own. Typically, they will obtain rates of 6% to 11%, and occasionally, even get your interest eliminated altogether.

They do NOT make a new loan of any kind - not a debt consolidation loan, not a home equity loan and not a new credit card. Instead they consolidate your debts into one payment and then they disburse your money to your creditors until your debts are paid off.

When you join a Debt Management Program (DMP), it usually appears on your credit report as a Consumer Credit Counseling item for large creditors, such as credit card issuers, who report it that way. Most smaller creditors, like medical offices or local retailers, tend not to report your participation in a DMP program on your credit. In any case, Fair, Isaac Company, which produces the model for FICO credit scores, says that a DMP is a - neutral - event on your report, not making your credit score better or worse. In applying for future credit, some creditors may not count DMP as a negative and others might.

In either case, the Cambridge Credit Counseling office handling your account will write you reference letters and support your application for credit in other ways that CCCS agencies will not. This support has helped thousands of clients get loans that they would not have qualified for otherwise.

When you call the toll-free number listed below, you will be asked to leave your name, address and phone number, and then a qualified debt counselor will call you back for a no-obligation consultation within a day or so.

Cambridge Credit Counseling
1-800-897-2200
www.cambridgecredit.org