I'll be the first to admit I haven't been the most financially responsible person. I have a lot of "stupid" (cc) debt. I am working to pay it off, but it is slow going. I'm a one income household with no kids. I'm basically living pay to pay. All bills (mortgage, utilities and cc's) are current, but once they're paid for the month, there's not much extra. I get these letters in the mail all the time about reducing my cc debt up to 50%. I avoid them as I know many are scams and others require a payment to the organization for negotiating with the cc companies. With a reduced settlement, in all likelihood my credit score would take a hit. I'm also not looking to get out of paying the bills. I made them, I'll pay them. But it would be nice to get the interest rates laower, if possible. So here's my question. I got another letter in the mail today, but it's worded a bit differently. Here's what it says: "We want to congratulate you on being selected to participate in a Nationally Sanctioned Debt Reduction Initiative. This program allows select individuals to reduce their unsecured credit card rates to as low as 0-9% APR." It also states that US Lending Institutions are allowing people to participate in a Non-Profit 501c-3 creditor sponsored program and I was selected because of my good payment history. This program is backed by every major credit card provider and is not affiliated with debt settlement and is specifically designed to keep your credit score in excellent standing There is no cost te enroll in this service. Even the fine print states that this program is not associated with bankruptcy, debt consolidation loan or debt settlement. Has anyone seen anything like this or heard of it? Is it worth calling the number or do you think it still could be a scam? This is the first time I ever got one that wasn't for debt consolidation or settlement. Any advice would be appreciated.