Priority Access: Speak to a Specialist Today

Zero has matched you with Cambridge Credit Counseling, a non-profit partner that we trust. You have two options to get your free debt analysis from Cambridge:

Call Now for Instant Connection

If you want to speak to a specialist right now, call the Cambridge hotline directly. Mention Talk About Debt to ensure priority service.

Toll-Free Number

888-694-7507

Request a Call

Fill out the secure call request form below, and a certified credit counselor will review your submission and call you within one business day (24 hours) to start your free analysis.

Call Request Form

Fill out the form below and a certified counselor will call you within 24 hours.

First Name

Last Name

Phone Number

Zip Code

State

Total Debt Amount

By clicking 'Get Free Analysis', I consent to be contacted by Cambridge Credit Counseling via phone or email for a free consultation. I understand this consent is not required to make a purchase.

How a Debt Management Plan Works

Cambridge works directly with your banks to enroll your credit cards into a Debt Management Plan (DMP).

Interest Rate Cap

They negotiate your rates down (often to 0% to 10%), so your money actually goes toward the principal, not just interest.

Consolidation

You stop juggling multiple due dates. You make one single monthly payment to Cambridge, and they pay all your creditors for you.

The Timeline

Most clients are completely debt-free in 3–5 years (compared to 20+ years of minimum payments).

Who a Debt Management Plan is For

You have steady income but high interest rates are crippling your budget.

You want to avoid Bankruptcy.

You want to pay back what you owe, but on much fairer, manageable terms.