About Cambridge Credit Counseling Corp.
Cambridge Credit Counseling Corp. of Agawam, MA is a non-profit credit counseling and HUD approved housing counseling agency. Our experienced staff has an average of over 11 years tenure with our agency and has counseled over 2 million people and assisted over 225,000 individuals and families with debt repayment plans. We maintain an A+ rating with the Better Business Bureau and are Chamber of Commerce members.
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Everything was extremely streamlined and easy. If I ever had any issues, all I do is make a very simple phone call. If I ask to delay this payment or if I get to skip a payment and try to pay it back, they help me with that. They didn't harass me to make sure everything was done. Every single time, the person that handled the call was friendly and polite. I'm very satisfied with the service. I'm not buried in debt, which is pretty great. It was much easier to reach that goal using Cambridge. If I ever find myself in that situation again, or if I needed it, I would absolutely 100% try them.
Hello, Chris! We're glad that your experience with our program was a friendly one. Our staff works with clients that are dealing with tough situations each and every day, and many of our staff members have been here for over a decade. We're no strangers to consumers in debt and we're committed to helping our clients find a way out of it quickly and safely. A sincere congratulations on becoming debt-free! If you need anything else, don't hesitate to reach out to us.
I was doing some research on not-for-profit credit management agencies, and Cambridge came up as one with positive reviews. It seemed like there wasn't an obvious presence of self-interest involved. I inquired and they seemed really nice and they seemed workable. Everything was good, simple and to the point. The game pays for the service, but it was helping me take care of a debt and reduce my overall costs. So, it was a balance.
At one point during my repayment plan, the customer service had sent me something. It was in the mail or online where they want them to submit a form about the updated balance on the credit card end of it. It was a loose end. I never did it, and then they never asked again for it. We just continued with the plan as it was set up, and the program ended easily when I contacted them about paying off like the remainder one month balance. So, there's one thing they had asked me to do, I never did it, but there was no follow-up call about it. So, if there is some type of letter or communication they send out that they really need, then they should reach out directly or send a direct email.
Erik, thank you for sharing your process of researching a debt management program. We've been recognized by the Better Business Bureau's Non-Profit of the Year award for our work. We have mountains of great reviews here on ConsumerAffairs and on TrustPilot as well, even Google and Facebook!
Non-profit organizations, such as ourselves, are dedicated to putting people first. Our monthly fees are low and they make sure we can keep the lights on and retain a dedicated staff to handle all of the moving parts that it takes to get our clients financially educated and debt-free. Our mission is to get Americans out of debt as soon as we can. In fact, most of our clients pay off hefty debts in just 3 to 5 years.
Again, thank you for reaching out. Don't hesitate to call us if you need any additional help.
Getting out of debt would have taken me forever if it wasn't for Cambridge. They were able to consolidate some of my credit cards and other debts, get my interest rates down, and pay it off a lot sooner, which helped me make my credit better. My credit score’s going up. I fluctuate between 680 and 704, depending on how much I put on my one card before it gets reported back. Before, I was at the very low 600 and when I first started, I was below that. The problem was I wasn't managing my finances and Cambridge enabled me to learn how to do that. The biggest impact it had was teaching me that I needed to follow a budget and allocate my money instead of just free-falling it.
I got an email about one of their tools, the budget tool, and I didn't use it, but I created my own Excel spreadsheet. When you're doing it on your head, that's not a budget. I have all my bills listed, and after I put it into my spreadsheet, I would see how much I would have left over and I knew not to go over that. I could see what I could spend on groceries and other things right there. It makes a real difference when you sit down, make a budget and see what you're doing with your money. I make a spreadsheet every mid-month, and I do it religiously. It has helped me get myself back on track.
Cambridge taught me the importance of managing my money. I have two paychecks a month and every so many months, it winds up being three in a month. Before, I had to spend an entire check on my rent. Now, I can split that between two, and I put away half of it with my first check and half of it with the second and third. I'm not cramped each pay day. I got room to pay my other bills, have money for myself and save some and/or put towards lowering my debt.
I've gotten rid of three other credit cards since then. Now, I have four, but I just opened one of them. It's like a Walmart card and I use that to pay bills and expenses. I use it to get the points and then I pay it off right away with the money out of my account. So far, I've had it for three months, and I've earned $50 towards paying off that credit card. I also removed my account from a no-interest bank, and I moved it over to Capital One, which I'm earning interest on my checking and on savings every month. While my money’s sitting there, it's working for me and I've been able to put savings away.
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I have two special needs children, and we had an insurance issue in March three years ago. We always had two insurances (lots of therapies). One would cover the copays, and the other would cover everything else. My husband's employer changed insurance policies, and they were supposed to remain the same. However, we found out that they weren't paying the copays anymore after we had already racked up three months’ worth of copays, which was almost $3,000. With copays, you have to pay them to be able to come back and get more services. We had to use almost two months’ worth of credit card bills, while the credit card bills then were late. What happens is when you pay a credit card late, even if it's 2% or 3% interest, suddenly, it jumps up to 29.
We had to keep paying for the insurance too. We couldn't drop it because we had to have some ridiculous qualifying life event, even though they're the ones that changed it. We only had to pay for the $1,000 a month for the copays. We were also late with our credit card, so they went higher because the interest rates went up. We got stuck into a situation where we couldn't cover everything, so I went to Cambridge to try to figure out how to deal with the debt and still be able to pay these other things. They worked with the companies, got them down to the lower interest rates and worked out a plan. It went absolutely great. The cost was very much worth it too. $40 a month was not much to pay for helping us totally get on our feet again.
There was a lot of anxiety and they were very helpful. Any time that I contacted them for some kind of document that I needed for some reason, they were immediately responsive. I had everything I needed right away. The customer support was very good. I was aware of everything I needed to know, when I needed to know it. We finished out a little earlier than expected and now, we're putting away the money we were paying to hopefully purchase our house in June. We’re putting it back for a down payment.
I have recommended Cambridge Credit Counseling to folks who are in similar boats. I explain to them it's something they could do themselves, except the negotiation. They're already in a situation where they're stressed because they're dealing with something that got them there to begin with, or they've had trouble managing. If they have the ability to really handle those things and function well to begin with, they would have done it. There's no reason not to have people who can track everything for them, step in and give them the structure so they can function and focus on what they need to instead of tedious stuff that takes up their attention away from the things that they're trying to make better in life.
As of right now, I'm very satisfied with the service that I had. There was an account that I had with Cambridge and another company. When I spoke to the original counselor that was helping me, Henry, he said that he had dealt before with home shopping clubs. When you get a bill from a company, they don't say, "By the way, we split it out to two or three different departments. And after you pay us off, then you need to go to another department and pay back the lot." Henry knew that there are sometimes different divisions and sometimes a bill is split out into two or three different divisions.
Henry also knew to ask if the $3,000 that I was getting help with incorporated all the outstanding bills or just one department of the outstanding bills and he assured me that when he asked, they said that the bill that I was paying off was the entire bill. When he was told that the $3,000 bill was paid off, I assumed that the bill was paid off, but when I tried to call HSN several months ago, they said I owed an additional $1,000 to another division. I said, "Wait a minute. I paid off 3,000. You're saying that you allowed me to charge $4,000 before I was the one who went to the counseling service?" They didn't cut me off. I was the one that said, "Wait a minute. This is getting out of control. I need help." I went to Cambridge Credit Counseling.
I don't know where the extra $1,000 is coming from. To me, it sounds hinky, but even more than hinky, I said to Cambridge Credit Counseling, "Please check with the bank that you were dealing with at the time, because I never missed a payment." Synchrony wrote me back two letters and to make a long story short, they just said, "Yeah, you're paid off. We have nothing more outstanding on you." it was at that time Synchrony bought Comenity Bank that was HSN's, and so they assumed the bills. If I owed money still, they would've said, "No. You still owe." Between HSN not doing their due diligence and Synchrony Bank maybe not doing theirs, I cannot charge now on HSN until they get paid $1,111.
I would have thought that in 38 months, if the right hand was getting paid, the right hand didn't tell the left hand, "Hey, if you're not getting paid, go to CCC and talk to them because she is paying off her bill and you wanna make sure that this is cleared out." In the future, if anybody has a Home Shopping Network that has a bill that's owed and they are paying it off, CCC should make sure that their credit counseling agent calls that home shopping company up. They must do the digging to find out if that's the total bill. If they are told that that's the total bill, the company cannot do like what they're doing to me and say, "Oh, she owes another $1,000."
The other services were offering negotiation to pay off the debt and not all of it. Cambridge said, “No, you pay off the entire debt.” It would look better on my credit score to pay the whole debt instead of saying that I settled. They explained all of it to me. Then they sent me a lot of information to help me understand my credit. They provided me a counselor, someone who I could go over everything that I was giving to them for them to take over for me. They explained how they would contact them, and how much I would pay, and how important it was to make my payments every month and to stay on my payments on time. They really did a good job because when I started working with them, my credit score was 505, and now my credit score is 650.
It was a very good experience with the counselors of Cambridge. They were very informative. They encouraged me that if I have problems with something, to contact them sooner versus later. Because it makes it easier for them to get in contact with the collection or whoever the creditors are. Every single person that I took to them, they got them to work with the company and they were able to help me pay it off. Some of them were even bad situations where I got into debt with some check cash advances and they even worked with them and helped me pay all of those off. I was so grateful for that one.
They had helped me with my budget for the month as far as what I was spending. They helped me find an amount that I could agree to that will work for both me and for the creditors and for them, where I could pay back at an even time so it wasn't so much like all of my bills together. Every time that we paid something off, I said, “Okay, I want to do these.” I kept putting them on there. They made it affordable where I could stick right around the same amount every month, like 150 a month. I just gave it to them on a specific date, always made sure the money was in the bank, and they pulled it and they made sure all of my clients got it. I didn't even have to talk to the clients. The only thing I had to do was when they would send me correspondence in the mail, I would just update Cambridge and let them know. Everything balanced out the way it was supposed to.
Their service was excellent. One time in those five years, my paydays didn't match up with the 28th, because that was the day that I chose to pay my bill every month. They said, “We can move it up or we can move it back a couple of days.” Then they would set it up and it would still work out, and the creditor still would get their money and everything just worked out right.
Cambridge is awesome. They work with me so well. I love them. I've referred them to friends and family and they've called and used them. They helped them get out of some stuff too. One of my brothers was into a check-cashing thing. He had borrowed 2,500 and the balance had got up to 4,000. He worked with Cambridge and they helped him pay it off. My only wish with them is that they work with taxes. If they work with taxes, they would cover the whole scope.
We were told twice in the last six months that we would be paid off in July, and we weren't. We still owed 600. I called and the first person I talked to, which was the counselor that I originally set it up with, said it would be to our advantage if we could take the money out of our savings to pay off the 600. We wouldn't have to pay them the $50 for the month of July and we wouldn't get anything extra for paying it off early, but it would be specified to being paid off. We ended up paying too much to a couple of the companies and we got money back, which wasn't a problem. I said that they were all paid off, they had cleared the bank. I told her not to take out the money in July ‘cause, otherwise, they were taking it out automatically. She said she would mark it down and she put me on a recorded thing.
Then I asked the second person I talked to if I was doing this the right way. She tried to convince me not to do it. She told me that I would not get a letter saying we had paid it off, and it would say we had not completed the program. That kinda upset me, but I didn't care. I called back and talked to that other girl. She said she didn't know who that person was. Everything that person said, she would look into it because she didn't know why anybody would tell me that.
A month later, we got an email or a text message from Cambridge that we have not paid anything in the last couple of months and that we owe $125, and to please contact them immediately, so I did. I got this gentleman on the phone. He looked at it and said that he found what happened and that all we had to do was send him an email saying we have completed it. I asked if he would send me something, then confirming it, and he did. Up until then, I was surely satisfied. The problem was paying off the last month. I just got a $5 I wasn't expecting two weeks ago, ‘cause they were overpaid.
When talking about your credit, it scares you because it is so important. Having this big bill paid has just been a lifesaver because every month now we have money that we do not have assigned to anything. We're gonna have to buy a car and my husband needs handicap equipment. It's been just a blessing. One of the things that I liked was when I called, I always got my questions answered. Even when that guy said he found out what happened, he didn't explain to me, but he told me what to do to fix it, and he did it. I would highly recommend Cambridge.
I was very impressed with Cambridge's reps and their program. They were very professional in their approach. They asked the immediate questions. They answered my questions. They told me that it would take time to work everything out. They were very helpful. I receive updates monthly on my program. Cambridge also helped me with credit counseling. All along the journey, they keep in touch with me. Anyone who would consider them would be making a wise choice.
Cambridge has good customer service. Everybody that I spoke with helped me out through the whole thing and everything they did was excellent. I got all my credit cards paid off which was what I wanted to do. I’m trying to talk my son in it because he's always crying about his credit card. I'm trying to tell him to do what I did and that in two years, he’ll be out of it.
The rep was very thorough and he explained the program and was able to get us enrolled and approved. It was very smooth and the program was great. It was always excellent service. A no-brainer. They just took the payment out of our checking account every month and then we sold our house in Denver and we were able to pay off the balance two weeks ago. We really appreciate the opportunity to get everything paid off and have the worry taken off our shoulders. That's improved our life quite a bit.
Cambridge Credit was great to work with. They always respond to any questions I had. I had three credit cards and I just finished paying them off. I was very excited. I have recommended them to my friends whom I've talked about it.
It was a little much as far as the payment, but I had worked a lot of overtime in order to make up for it. I retired at the end of December, and the last payment was in February. After that, it was like a big relief.
Cambridge Credit Counseling Corp. author review by Barbara Friedberg
Cambridge Credit Counseling was established in 1996 and works to provide credit counseling, debt management programs and financial literacy education to clients across America. It is a non-profit company and specializes in credit, housing, reverse mortgage and bankruptcy counseling and debt reduction services.
Free credit counseling: Non-profit Cambridge Credit Counseling offers free credit counseling by nationally certified debt experts to consumers who need to find ways to get out of debt.
Services: Cambridge Credit Counseling offers a variety of counseling services covering topics such as credit cards, housing, reverse mortgages, foreclosures, bankruptcy and overall financial education.
Expertise: Company counselors have, on average, 13 years of experience and hold national certifications through the Association for Financial Counseling and Planning Education, the Partnership for Financial Education, NeighborWorks and the United States Department of Housing and Urban Development.
Credentials: Cambridge Credit Counseling is a 501(c)(3) non-profit credit and housing counseling agency. Cambridge is an ISO 9001:2008 organization, which means its credentials are recognized worldwide.
Cambridge Credit Counseling Corp. Company Information
- Social media:
- Company Name:
- Cambridge Credit Counseling Corp.
- Year Founded:
- 67 Hunt Street
- Postal Code:
- United States