Are you in over your head in debt? Whatever the reason for your financial troubles, we can help with a free debt consolidation consultation. Our service is designed to allow you to pay down your credit card bills and other unsecured debts at lowered monthly payments and interest rates, over a reduced payoff term. This is accomplished without a loan and will not adversely affect your credit rating! Credit CPR's trained staff consists of credit counselors and debt consolidators skilled at negotiating with creditors to lower your monthly obligations and reduce your high interest rates. With our plan, interest charges are often reduced from the 18-28% margin down to approximately 6 - 8% or even 0%. Monthly payments are lowered by up to 50%, and late or over-limit fees are generally waived. Additionaly, all your debts are combined into a single convenient monthly payment on the date that YOU choose. We can consolidate credit cards, medical bills, department store cards, collection agency debts, lines of credit, past-due utility bills, personal loans, repossesions and student loans. This is not a personal loan or home equity loan. With our program, your home will not be put at risk, and your unsecured accounts will not be converted into secured debt. And unlike bankruptcy, our debt consolidation program will not ruin your credit! In most cases, a client's credit rating will actually improve under our service once a regular payment history is established. If you're presently struggling with debt, then you can benefit greatly from our debt consolidation program. It would be nice to breathe freely again!