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.
Cambridge is a good company to work with, and they were responsible. Anytime I had to call to ask questions, they were very knowledgeable and helpful. They had good customer service. Also, I was able to log online and see my progress, which I liked. I had a person that told us about the program and set us up. He also talked to us about what will happen and the timeframe that it would take to pay off our bills, and gave us instructions on what to do. He was very thorough.
They told us what our payment would be with each creditor, and how long it would take to pay it off. They asked if we were in agreement with that, which we were. They told us what date our payment will be drafted, how much their fees would be, and how much we would have to pay. We opted to have our payment drafted. The fee was reasonable. Everything was pretty clear and straightforward.
There was one time that I called and I wanted to pay a certain creditor off next, and everything was smooth. But towards the tail end of the program, it was a little bit more difficult to get ahold of someone. It seemed like something changed with customer service. When I called, the person asked, “Is this your first contact? Is this your first time calling about this issue?” I said no and that I called the other day. Then they said, “We'll have a person call you.” I didn't like that part of it because I had a little bit of trouble getting through. But at the very end, I called the number that I had on my statement, and it was the same way it was in the past where you get to speak to somebody quickly. I'm done with my program, and I'm satisfied. I had good customer service and they did what they were supposed to do.
Glad we could help Angela! We are always here if you need us.
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The customer service reps were friendly, polite, professional and able to answer my questions. It took me from a place where I got in over my head with the fact that I had two small children, who I needed to provide daycare before and after school. And I was okay, until the person who was doing my home daycare could no longer do it. So I had to move to a center, which was much more expensive. Then I had a series of things with my car breaking down, and it was the case where things got maxed out. I was managing to stay ahead, but barely. I was one tragedy away from something putting me over the edge. So, I called Cambridge and they were able to lower interest rates and payments. It was nice to have just one payment a month to them.
The reps were very helpful and responsive. I had a set date for the 19th of the month for a payment and sometimes, the 19th was the day before payday. If I call them and ask if I could change the date to the 20th, they would say there’s no problem. When I called, someone always answered the phone, which was a miracle because now, you can't get anyone to answer the phone. Periodically, a couple times a year, Cambridge would check in with you and see how it was going, if anything needed to change, if there were any accounts that needed to be added and if I felt this was working. So, they were proactive.
Immediately, creditors stopped calling and payments dropped. You still get a monthly statement and I wasn’t opening a bill and seeing it would be paid off in 27 years. I saw that it would be paid off within a four-year period. I could anticipate being debt-free. I've finished my program with Cambridge and I would highly recommend them.
What a great story and and great personal triumph for you! We are so happy for you and wish you continued success in your future!
Cambridge helped me finish off some bills. They went through to see what my problem was and they took my credit cards, my Walmart bill and another bill. There were four bills they took, combined them together and made it a monthly payment. They explained to me what we would do and how much it would be for me one payment a month, and how much they would charge me, which was low. And if I had any questions or anything, they gave me a customer service number, which I could get in touch with them. And they put the payment after my check came in. The program worked well. They said it would be three years before it would end. They gave me the month it would, which it did end in that month, and I'm finished with it.
We started with three items to put in the program. The rep was very nice and wasn't fast-talking. She made sure that I understood what we were talking about. Two months later, she called me back and said that she came up with another one to put in and they adjusted where we put a fourth one in. So, I didn't even realize it was the fourth one that needs to go in. So, they put the fourth one in, which didn't take my bill up. Six months later, she called me back and asked me if I felt it took me over my limit, was my payment coming out on time, or if I had any problems with it.
She was constantly in touch for the first year. And she told me it would be like that. After that, I was mainly in touch with customer service. My payments came out early. So, I would just call and do the payment automatically for them and let them know I had already paid it so it wouldn’t come out again, and talked to customer service. And their customer service people were good. If I changed my phone number, I would call and give them that, and they were polite. When I got one of them paid off, I called to see if I could get another card on there and they explained it was best that I didn't put the card on there because of the type of card it was. But they were patient and nice about everything.
Someone went into my account and put some money out of my banking account, which messed their payment up. I called and told them that they may miss a payment and why, and they said okay. They waited until the money was back into the account so my it wouldn't be charged. And when I called and told them the money was in there, they went in and took their money then. So, they worked with me. It was a good company to work with.
There was some kind of event held at one of the local schools in Baltimore City. I saw Cambridge there, got their literature, and read it. I decided to get my debts down because I was unsatisfied with what creditors were doing. If my balance was $500 and the minimum payment was $25, I would pay a separate additional $50. But that’s towards principal only. Instead of it going to the principal, they added service and finance charges. It seemed like I would never finish paying off people. So I said, “Let me get it into the hands of somebody and get this taken care of, and just be done with any kind of credit card.”
I met with people from Cambridge and discussed what the plan would be. They gave me a list of all the payments that would be made and the estimated time to end it. After that, I didn’t really have much contact with them because the money was coming out and I would get my statement. To keep track of my progress, I went online and checked. I opened an account so that I can see what was going on.
Being in the program, I didn't have to worry about getting the money to the creditors because Cambridge would deduct money from my account and pay my creditors. It was one smooth process. I knew when the money came out, this is what it would go to, and they would pay everybody off. I was able to get everything done in less than the time that we had anticipated because toward the end, I paid a lump sum of what was owed. Now the creditors owe me.
Working with Cambridge was an easy process. I loved it and I'm glad I did it. It helped me a lot. Customer service sent me my statement every month through email. If I had any questions, I would call them with regards to payments that they made or did not make. But I was a little confused as to why they were still collecting the same amount once an account got paid off. I wasn't sure if they were putting more towards another account. I would call and they would say, "Yes, we add that payment to something else so we could bring it down sooner." It took me a while to understand that because I just thought once an account was paid off, then the money will be less because the money that was already separated for that particular account was already used.
Also, there are two credit cards on my thing that had very small balances. Cambridge would alert me, "This account is paid off. Call the creditor to send you the refund." I thought that once the balance was paid off, the creditor would automatically send it to me. I didn't think I would have to call them to say, "Okay, so I have a little leftover. Are you sending it to me?" I just left it because there was so little that was owed to me.
If Credit Counselling is handling the account, they should let the creditor know, "Okay, there's a refund, so send it to the client" or collect whatever was left over at their end and send me one check for everything. That would be easier than us having to go through all that. Other than that, everything was great overall. The one thing I liked is that because the refunds weren't so much and they were only $1 or $2 meant that they went to the extreme of calculating what was going to be due and not have so many over. That's fantastic in itself.
A couple of years ago, I went with Cambridge for debt consolidation. They explained everything and they were transparent. There was good communication, and the application process was easy. They seemed flexible with the payment plan too. I switched it at the very beginning because I only get paid once a month. That's a harder thing for people when you only get paid once a month. Your budget is completely different.
The cost in relation to the quality of service was good. If the price never changed, the end payment was a little less. But the service fee and the convenience of someone else taking care of getting ahold of everybody, changing it, and it being one lump payment makes my life a lot easier. Also, I didn't wanna haggle with people and Cambridge was able to rework the percentage rate. The companies dropped that so more of the money went directly to what was owed instead of all of the extra costs. I completed the program a couple months ago, which was great. Now that's money that’s gonna go to the student loan. Working with Cambridge allowed me to get those bills paid off, and it's one less thing I have to stress about, being a mom, a caregiver and working full time.
So glad we could help you, Charlene! Congratulations on paying off your debt!
The rep I worked with at Cambridge answered all my questions. The program was self-explanatory, and they explain to you how it's gonna happen, what payments were gonna be made and how they were gonna make it and their fees. They would send an email statement every month of how they broke down the payments, what I owed, their fee, and the amount. All the fees every month were the same, and nothing was hidden. There was nothing for me to worry about. The payment was always the same every month. The estimated time they gave me didn't change much from that day as well. It went a bit over, but it's not like I would worry about it. It was about four years ago when we first started, and overall, it was a good experience. It went smooth for the duration of my time with Cambridge, and working with them helped a lot. I got to pay all my bills.
So glad we could help you, Oscar! Congratulations on being debt free!
To have to give up four credit cards during enrollment was quite shocking to me. But overall, it was awesome and a great experience with Cambridge. I had questions regarding my accounts on the last two credit cards that got paid off and they were very helpful as far as giving me the information and a contact person to get ahold of Citibank. They also came to me with a payment that was very affordable. Four years later, here I am, debt-free. They said, originally, would be a five-year program. But as I came in to have some extra money, I threw it right on the cards.
So glad we could help Douglas! Congratulations on being debt free!
The cost is a little high but getting all those credit cards paid off is less stress. Also, their communication throughout the process was good.
Good morning, Alice. I am so happy to hear that you completed our program. It must be such a relief having your debt paid off. Please be advised that the fees we charge are state based and we follow those guidelines. Again, congratulations on paying off your debt and it was a pleasure helping you reach this goal!
I sent out the paperwork and they handled contacting the companies. I gave them a budget that I can afford each month and they set things within that budget. Then, if I had to add anything new, it was fairly simple to call up and get everything added on.
We are so glad you found success James with our program. Best wishes for your future!
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