This is a great question:

http://www.thedebtmanagementprogram.com

This website offers a debt management program that should NOT negatively affect your FICO score (credit rating). The program has prearranged fee reductions with over 95% of the creditors in the US and can also help people with as little as $3,000.00 in unsecured debt.

Consumers often find consolidation or settlement an easier option without considering what it will do to their credit rating, which is basically to destroy it. A website like the one above is a less drastic approach. I also like the website above because it offers both articles and blogs about personal finance issues and regulations in the debt industry.

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