Cambridge Credit Counseling Corp.
67 Hunt Street Agawam, MAConsumerAffairs Accredited Brand
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. We are approved to provide reverse mortgage (HECM) counseling by the Massachusetts Executive Office of Elder Affairs, we offer foreclosure intervention services to residents of MA and CT and provide bankruptcy related credit counseling services.
I picked Cambridge off the internet at a time when I have gotten into some trouble with debt on credit cards. The enrollment process went really smooth, and it was quick and to the point. Working with my counselor went fine, too. And the payment plan worked out well with my budget. It was $90 a month, which was reasonable. Overall, I'm totally satisfied with Cambridge. They're fair and will work with you. I’m completely out of debt and I’m not charging anything. I have also changed my way of thinking about credit. Now, I don’t use it much anymore. So, I’m doing better financially.
Gary, we're so glad that you've taken your learning experience to heart. We pride ourselves on delivering financial education, and we're thrilled to hear that you have a new way of thinking about credit card debt!
I was under a great strain because of some things that had happened. Our oldest son was in a motorcycle wreck and he was in Intensive Care for a month, and we didn’t know if he was going to live or not. He quit breathing three times on the way to the hospital. And then my other son has Prinzmetal syndrome, and he’s still struggling. With all of that, I used my credit card to the limit. The Cambridge rep Philip was very helpful and kind. If somebody is helping you to do something, you hope they’ll cooperate with you, and he did that. Also, the cost was real cheap. I had $10,000 worth of debt and now I don’t have any. It's really saved my sanity. I would recommend them to anyone.
Shirley, thank you for sharing your experience with us. It must have been very difficult for you during that time, and we certainly understand how credit cards can be a great resource in emergency situations. You made the right choice by confronting your debts head on. Congratulations on your completion of our program. Please, don't hesitate to contact us if you ever need to.
Cambridge's program got me out of debt when I had too many credit cards and I couldn’t keep them under control. Cambridge has a good rating and their enrollment process was easy. I got enrolled both through online and on the phone. I was impressed with counselor's knowledge and he was able to help me with anything. I got a straight answer every time I called for a question. If he didn't know then he'd find out and call me back. Also, I was told how much the fees would be and how much I would need to pay a month. In the end, my debt got paid off and that took a lot of worries off my mind. It was simple and I was very satisfied.
Congratulations on completing our program, Phyllis! We pride ourselves on helping our clients find a simple, safe way out of debt. During the initial set-up onto our program, our counselors go into detail concerning monthly payments and interest rate reductions so that people can see just how much they'll save on our program. We also think it's important to provide our clients with financial education whenever we can, so we're thrilled to hear that your experience with your counselor was smooth and informative. Thanks for taking the time to reach out to us!
I needed to consolidate my bills. Then, I spoke with someone who recommended Cambridge. Cambridge seemed like a good company and I called them. I filled out an application and gave them all the information they needed to consolidate. Their program helped me get out of debt without going bankrupt or doing something drastic. I had a designated counselor. His name is John and he explained things pretty good. I felt very comfortable with the staff at Cambridge. They were always nice and answered my questions. They kept me informed.
I had three debts that were consolidated and when one got paid off, they informed me then they explained to me what happened. It felt really good. The amount I paid depended on how much I owed plus a charge. They did an automatic deduction for the payment. Cambridge’s service was fantastic. I’m through with the process and I was very satisfied with their accomplishment in helping me. I would recommend them to anybody going through a hard time.
Cambridge Credit Counseling did a good job in helping me get some of my debts paid off without messing up my credit. It has been four years since I signed up. I was trying to get some credit cards straightened up and get the best out of my credit and I remembered them because somebody had recommended them. Their service was more than fine. They reduced the interest rates and got a lower payment for me so I get to pay the debts off. I've already completed the program and I hope I never see them again, but if I have to, I wouldn't mind calling them. I would recommend Cambridge.
I had several credit cards and I was a little over my head. I found Cambridge Credit Counseling online and I liked what it said. The counselor I talked to explained what they would do. I decided that I was going to do the program and he faxed me the paperwork, I signed it and faxed it back. He called me back and let me know what the interest rate would be. I was very comfortable working with them. Anytime I called with a question, they were more than courteous and they went out of their way to be kind, and they were a not for profit organization.
The program worked for me by lowering my interest rate and paying monthly payments on my bills, so I could afford it and live and feed myself. Two of the cases were zero interest, and one case went down to three percent. They charged me four dollars for each credit card they were paying off, so it was a total of $32 a month. And the rest of it was a monthly payment to each of the credit cards. It was very simple and I was able to pay off all my bills early. Their service was excellent and I was very pleased and I have referred a friend to them. My friends wouldn’t go wrong by letting Cambridge help them.
I'm a businessman and I needed some help due to medical bills. Cambridge Credit has good service and they were courteous. They sent me papers which I signed and I sent them all the credit card debt that I had. I told them my income, they set up the payment plan and told me what it will be, and then I agreed to it. They arranged all the lowering of the credit cards to my satisfaction. In the end, the cost of the program is very reasonable and I'm also done earlier than I expected to be done. Cambridge helped pretty good and I would recommend them again.
Cambridge Credit Counseling consolidates the bills and they would be paid off earlier than what I could do on my own. I have dealt with them before and I was pleased with the service that I received. Cambridge sent in a list of creditors and they contacted them in some kind of way, and there was a monthly payment to that. My interactions with Cambridge’s counselor were fine. They were in contact via email and they have sent me a couple of letters. Every time they called, I was kept abreast of the progress of the consolidation and everything. They were very helpful in the situation that I was in and knowledgeable of the questions that I had.
They set up my payment plan and got a list of the creditors which I owed. It was an okay price and they gave me a time span about when I should be through. They were able to pay off the creditors quicker than I would have done it by myself. I would tell my friends to give Cambridge a try because they provided good service to me both times. It was in a reasonable time frame until I was able to get financially stable again so that was a plus. They're professional and they will be able to help you out of your financial situation in a timely manner. And they communicate with you so you are kept abreast of the progress of your consolidation.
- 1,048,294 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
For more information about reviews on ConsumerAffairs.com please visit our FAQ.
I was with Cambridge Credit Counseling’s program for three years and they settled three of my accounts. I felt good working with my counselor. And every time I had a question, they answered right away. They set the payment plans up for me. It was a good experience and everything is good now.
I came to a point where I was not able to make ends meet. I then browsed the internet quickly and Cambridge was repeatedly mentioned as a company that could help me. I got them to restructure my credit. I went to their website, filled out a request form, went over the details of the service and then I had to fill out a worksheet. I had it all filled out with all of my credit card or whoever I owed money to and submitted that to them. I received an email and a regular mail confirming all of that. And then, they submitted the paperwork to the creditors and got back to me. They helped in reducing some of my payments. They broke it down to how much it will cost monthly and they were very upfront about where the money went as far as the money that they kept. Also, before a payment was due, I get notified a week earlier.
I've finished the program and now that those debts were paid off, I have extra money each month. It’s like getting a little raise. I have found out that I may have been able to do some of this on my own but being able to turn it over to them and allow them to do the services for me and do the work really helped. Their cost was about right considering I allowed them to do the legwork. They, however, should've given updates on what was remaining and showed where we were in the process with the creditors. I would like to have known exactly how much was owed to each creditor. I could get that information in my email but it takes time for them to respond to those requests. It would be nice to be able to log in and be able to see it real time. Other than that, Cambridge is a good option to look into especially if one is caught in the situation of getting beaten with debts.
I had Cambridge Credit Counseling last time and they helped me out. I chose them again and their program has worked for me better this time. My counselor was very good to me. Every time one of the credit card statements came, I called him and he explained it to me. And every time I asked him a question, he helped me out and told me what I needed to do. I felt really comfortable working with him and when I called him, he got back to me in a day. I did auto payment and that way, I felt comfortable when they took the money, I never missed payments, and all my payments went through. Before, I had too many credit cards and my credit was no good. But Cambridge helped me with that and it built up my credit. Every time I pay for one credit card, it goes to my credit reports that one credit card was billed then it shoots my credit off. I would recommend anybody to Cambridge if they have any problem like mine.
We were falling behind too many payments and it made me look for Cambridge's services. I reached out to them through work and they put us in contact with them when I told my work I was interested with Cambridge. Cambridge was available and I didn’t look at any other companies. I've got their consolidation program and we had to give them all the cards and other debts that we had. And then, they reached out to the companies to come up with a payment plan. They went a whole lot on that part and we had a few that we paid off early.
I called their counselors and they made changes. Everybody was really nice and I was impressed that nobody made me feel bad about the situation we were in. They set us up on a plan to get it taken care of and the payment was a lot lower than what we were paying each creditor. We had our payment deducted out of our account and it helped us get out of debt. It was a surprise just to know that we did it and I gave their name out to a couple of people during the process. I'm relieved now that it's over.
I was highly satisfied with what Cambridge did for me. I got a lot of credit cards and paying them back was overwhelming. My income was a little bit lower than what it had been and I couldn’t make minimum payments. When I was researching who I wanted to go through to manage my debts, Cambridge stuck out to me the most. They had a good recommendation and people were talking good about them. I reached out to Cambridge to manage all my debts in a debt management program.
I reached out to my creditors to find out my account numbers and how much I owed them. Then I gave Cambridge my creditors, and they worked with them to reduce my interest rate and my payments. The guy I first spoke to was simply doing his job, but based on the way he talked to me, I felt that he cared. I took his extension line number to always get a hold of him if I had questions and he answered any question I had. Even to the last day, he was the last person I spoke to. Also, I had a cell phone that went into debt collections but the people from T-Mobile changed debt collection companies and I was not notified. I notified Cambridge about the situation and they took care of that for me. I didn’t have to do any extra work towards that and I was very happy about that.
My payment a month was $340 and there was a big difference between what I was paying monthly and what Cambridge gave me price-wise. Compared to paying every individual creditor, having one payment was wonderful. Cambridge charged their own fee, which was 50 bucks from the $340. I was very happy that it wasn’t an excessive fee and that I didn’t feel taken advantage of. The interest rate that I got from most of the creditors was wonderful as well. I saved almost $20,000 going through Cambridge.
I was with them for four years and I thought I was going to be done by March, but as of January, I was done with my creditors. I was very happy to be paid off two months in advance. Cambridge also told me that they would help me work on investing, saving money and planning for my future so I really appreciated that. This was my second time of being in debt management and I liked the way Cambridge worked with me on things that I had to go through. I was very happy with everything I experienced with Cambridge.
I talked to them about three to three and a half years ago, and it was short and sweet. They filled out some paperwork on the phone, and then they sent me the paperwork to sign. I returned it to them with all my credit cards and then I had to verify bank accounts with them. It then started within a month or two. They had everything going on, they talked to my creditors, and everything was taken care of. I only talked to my counselor when I first signed up and I never had any questions after that. The reps at Cambridge were very helpful and informative.I had some numbers that I was figuring out that would cost me a month and they were very accommodating as far as the cost. The service and the cost were good.
Everybody says Cambridge is outstanding and, as for me, it's also outstanding and perfect. There were little glitches but they were very good at taking care of any problems that I didn't have to so the cost and everything else was worth it. My credit score went from 600 up to 750 and I have about $10,000 to $12,000 worth of credit card debt that is now gone. They worked out well for me. If others are looking for some way to take care of their issues that I had, I'd tell them to go with Cambridge.
I had a credit card that I needed to close out and make payments to complete. One of my mom’s friends used Cambridge in the past and gave great feedback about Cambridge Credit Counseling. So I called and their service was great. They were able to take care of everything and explain things right. They asked me questions about what was holding me back from making sure I was keeping up with paying the cards off on time. They also worked out a plan that would not only help me pay it off but also make sure that it was consistent and that it went over the minimum amount.
They took into consideration what my monthly expenses were and came up with a number that worked for me. It was manageable and I was able to hold up my end throughout the program. They were able to electronically withdraw the funds from my account and pay on the credit card monthly. They sent emails with my statements and they would reach out if there were any concerns.
They were also really good with communication and that’s pretty huge, coming from a big company. The follow-up was really good and it was never too hard to get in touch with someone. They would leave a message or email, and they made it personal. There was always an extension where I could get someone as well. That’s one of the troubles sometimes when you call a bigger financial institution. You don’t know who called and who to reach. Cambridge not only veered from that, but I was also assigned someone who I could always go back to if I had any concerns or if I needed additional help. I really liked how easy it was to get someone and have that personable experience with them.
They also offered budgeting advice and they were able to help me get the debt rectified and get the arrears down. I started the consolidation program back in 2013 and I just finished it all within this year. Working with them in those five years really helped. Now I have more cards and I might consider calling them again to get some budgeting advice and getting it going again. Cambridge Credit Counseling Corp. is a great company with a great staff.
I had a great experience with Cambridge. I used them years ago and they helped me before so I knew that they were reputable and good. I never had problems with them in the past. I wanted to combine my credit card debts and pay it off quicker since I wasn't getting the balances down from the interest rate. Cambridge's reps were very friendly although I didn't really have to deal with them too often because I would get emails of the monthly statement and it would be paid right out of my account. I paid everything off faster and they are all paid off now. It helped me financially.
I knew about Cambridge through my Employee Assistance Program at work. The enrollment process was really simple and they helped me. They were detailed on what I needed to do and it made the process simpler. They told me what I needed to send in and I put it in. They handled everything and communicated monthly, and it worked well for me. And because I'm busy with my life and so it was just nice to have somebody to handle it. They didn't hassle me with emails and calls. I just set up the program and the money came out, paid every month and got it paid off. They counseled me some at the beginning and they gave me not just things that you can read online but helpful tips and things I could use in my everyday life. They walked through some things with me. I got a bit of debt paid off in a short amount of time and that positively impacted my life. I would recommend it to my family and friends if I need to. They're easy to get in touch with, they reply promptly and explain the program where you can understand it.
I had too many credit cards and my budget was way out of sight. Cambridge Credit Counseling called and they sounded good. So far, I have paid everything off and have completed the program. Because of them, I become more stable with my money. In addition, I appreciated the little papers they would send every few months. Overall, I'm glad I went with Cambridge. It was a good time in my life. I would recommend them to a friend.
We were over our head in some credit card debt and our brother-in-law used Cambridge so we gave it a try, too. The enrollment process was good and very helpful. The gentleman took his time to work out a plan for us and even recommended some other stuff that we have to put in there. I only spoke with the counselor once and then we did the little surveys that they sent out to see where we were. We felt comfortable working with him. Cambridge's pricing was fair and the payment plan they had for us worked out perfectly. We stuck with the plan they designed for us and incorporated it into our lives so that we wouldn’t be in the situation again.
We have completed the program and it worked great. Our credit scores went up tremendously. Cambridge is an actual legit company. They’re very informative even when you’re on a consult. We had an idea of what we would need to do, but it was beneficial to have them there and be our voice to the creditors. We had a very good experience with them. I referred Cambridge to people that I know are having the same issues that we had. They can trust that Cambridge is going to pay their creditors off. I’ve had a few friends who have reached out to Cambridge after being scammed by other companies.
I had a lot of bills and I wanted to get it manageable. I had used Cambridge in the past and I'm currently using them for debt consolidation. The first time they reached out by phone more. This time it was always through the internet. During enrollment I spoke to their rep on the phone and I told them which credit cards I wanted to consolidate. They also asked me how much I wanted to give a month and they did a contract.
Based on my contract they started taking that amount out each month off my checking account. I'm done with both program and I was able to completely pay off my debt. I was paying more attention to my contract now and how I paid them to do the program. In the future if I need to do that I probably would do it on my own. With the extra money now I can pay off something quicker than I would have normally.
If you're being lazy like I was and you want to make sure that your debt is taken care of Cambridge is a good company to depend on. I was able to pay off everything and they would send me notifications once a specific card was paid off. They would also tell me to verify it with the company. Cambridge is a company that I trusted and I had a great experience with them.
We were getting bound to too much credit. I used Cambridge before and signed up for them again and they did a good job. Our rep was able to answer all our questions and was there when we needed him. He got everything set up straight, filed in, and working. Cambridge got me paid off and doing good now. I'd tell my friends that if they are strung out with too many bills and can’t pay for them, there’s help out there in Cambridge. And I would also tell them how my experience was.
I had a business I had to shut down and I carried debt for that business so I was trying to get that paid off and get it off of my head. Instead of going bankrupt, I did the responsible thing and paid it off. Cambridge was reasonable and they had good reviews. I did debt consolidation management where I pay them monthly, and then they pay my debtors. The enrollment process was simple. I gave them all my information on the account that I was starting a loan with. They called and negotiated the interest rate and how much the debtor would take, the lowest they would take on a monthly basis to make sure it would fit my needs. Then they told me what they came up with and I felt it was reasonable.
The total process took about four years. Cambridge had it set to how much it would cost per creditor, what the minimum they wanted, how much interest it was going to be, how much their charge was per month and a projected timeframe. I paid it off early although they had a projected timeframe of how long. They called me and sent me emails. Every month, I got a statement. The rep said to make sure everything was going down, not up, or if there were any problems, to give them a call immediately. When I had an issue, I had to move one of my checking accounts and they were right on it fast.
The amount that I owed determined my monthly payment. They called the debtors and negotiated what the debtors would take on a monthly basis, and what they thought I could afford. I had to fill out the long sheet of my bills I was paying then we determined what was fair. The interest rate was reduced in some cases. Some weren’t much but some were significant, and it helped. I kept my interactions with the staff at Cambridge simple. I started an account solely separate from my wife and I’s personal joint account. Luckily, my employer did that and they put money in auto entry into that account and made it streamlined. I made sure the money was there so I wouldn’t stress out about it.
My counselor knew how much the debtors would take off for the most part and what they would reduce the interest rate to and how much they would take on a percentage basis every month. He submitted that to the debtors and they said it was fine. Then he came back to me if I was good with it, and I said yes. He was a compassionate dude. He understood things happen. The people at Cambridge didn’t make me feel like some big fat loser just because I got behind. I liked that they would call me and they wouldn't hound me if I got any questions or concerns. They offered other programs and an assortment of things and they weren't pushy like a used car salesman. Sometimes I had to call and ask them for a bit of help doing something and they were right on and got it taken care of quickly. There was always somebody there I could talk to and it wasn’t just email.
The cost of the program was reasonable. There was an initial setup fee of 50 something bucks and I paid them $20 to $29 a month. The statement showed every month how much they were charging. It was the same every month and I paid everything off a month ago. Working with Cambridge helped tremendously. Everybody that's in this situation should use them or someone like them to help them out and get them back on their feet. Cambridge reassures you if you get in the program and you stick with it. You got to stick with it and try to think of it as a car payment. I tried to forget about it although I knew it was there. I also made sure the money was there. Cambridge did the rest and that made it a lot easier. I just checked my creditors to make sure it was going down and I calculated how many months I had left.
Anybody having debt issues should really consider this before going bankruptcy because bankruptcy lingers on your credit for a long time. Being on this program doesn’t affect your credit negatively although it shows up. Once I started making those regular payments, I saw my credit going up until someone stole my identity. Cambridge didn’t know about that and my credit took a dump. Then I got that all straightened out so it's starting to go back up again. It's only been a month and a half and it’s a big pain in the butt. Cambridge is very proactive in helping me, but it's the person who's in debt that needs to put forth the effort. They weren’t shady, which I was worried about at first. I was a little skeptical so I did some reviews online. That helped but I never knew how much of those reviews were real. By talking to them, I knew it was a legit company. I've recommended them.
I did the credit card consolidation program with Cambridge and their enrollment process was really simple. I gave them my information on the credit cards and my banking information. They also set up auto-withdrawal. They took any consideration for my payment plan and we did a monthly budget to determine a term of the loan and the payment schedule. I’ve only had to call them a couple of times in the four years I was enrolled, but I got monthly payments through email that showed exactly what was paid and still due. I have completed the program and it got me out of a complex credit card debt. I have zero debt now as far as credit cards and their program was more than reasonable. Their communication was great and I’ve recommended them to other people.
I had several credit cards that were creeping up and the monthly payments were eating into my income. I called Cambridge Credit Counseling to see if I could consolidate them and lower my payment and interest rate, and it worked out really well. I had six or seven cards, and I enrolled in a consolidation program with Cambridge five years ago. The only interaction I had with the counselor was in the beginning when I signed up. I talked to some people and I explained what was going on and got the paperwork and that was it. I made one payment a month to Cambridge and I got statements every month.
The only thing that I didn’t get was the running balances of how much was owed on each card. I got the amount that was paid on each card every month but I didn’t get the amount that was due. Whenever I asked for the balance so I could tell where I was, they would give it to me. But it was the total balance, and they didn’t really break it up per card. Overall, my experience with Cambridge was good. They negotiated a much lower interest rate for my credit cards and they distributed the funds to all the cards. Cambridge got all my cards paid off, and they’re all finished. They did a good job, and they did what they said they would do.
My sister and son was in Cambridge Credit Counseling and I saw how it helped them so I decided that I might as well see what I can do too. I've had a very good experience with them. Their enrollment process was easy and their customer service was very good. Their counselor gave me an option that I could call them at any time. If I had any questions there was a number there for me to call. They also have sent me things in the mail every month. They've helped me pay off my credit card at four percent interest rate.
Now I make sure I pay at the end of the month because I don't want companies gouging people with 12 and 18 percent. I'm not going to go shopping and go buy stuff if I have to pay 18 percent on it. I'm so done with those companies. I have a girlfriend and she was at one point, using that overdraft all the time. She’d get this credit card that’s way up there and I’m trying to talk her into going with Cambridge Credit. I said, “You’ve got to go with these people, they’re awesome. They’ll work with you."
And I said, “They just take it out of your account every month, you don’t even know it." I set something up. I told them I wanted them to send me a paper like, every month, that it was taken out of my account and they did. It would just deduct for my checking accounts and it worked out. I have completed their program last month and they have sent me a certificate. I've already recommended Cambridge Credit Counseling to other people.
A finance guy on Steve's morning radio show strongly recommended Cambridge so I thought that I'd give them a shot. The enrollment process was fairly easy. Cambridge got all of my information and talked to all the creditors. A few days later, they told me how much it was going to cost me. The cost was a little high but they did what I wanted and it was all good so the cost was not really that big of a deal. I had less stress because I knew that everything was under their control. I made my monthly payments for 39 months and now, I was done with the program.
There were a couple of times when I called Cambridge to see how many payments I have left but my counselor never called me. Whenever I called to ask a question, it was always whoever answered the phone. If Cambridge had a specific counselor for each person, when I call and have a question, I would think that I was going to talk to that counselor. But the people I talked to were fine and they helped me out. Overall, it went down exactly how they said it would. If you need someone to take care of your credit, call Cambridge.
I had just gone through a divorce and had some debt. One of my friends had used Cambridge and they were really happy with them. They were able to combine all of my credits and helped me pay off all of my debts. I gave them all of my individual credit and I told them what I could afford each month. I sent them a payment monthly and they sent it off to my debtors each month. As a person that's just starting out, I knew that the creditors weren’t gonna be helpful to me. They're a little bit more helpful to somebody like Cambridge, so that was helpful to me. Although my interest went down a little bit, as far as the payoff, I still had to pay my balance. I am completely paid off with all of my debtors. It took me about two and a half years where it was supposed to be about three years. Now, I'm starting over and getting ahead in life. Moreover, I'm saving again.
Everybody from Cambridge was very pleasant. If I had any questions, they were very cooperative. I had just one creditor that was not very helpful. Cambridge was very helpful with getting me to where I needed to be with the debtor. I ended up having to call the creditor and getting that straightened out. It ended up being successful after I paid everything off. It ended up being successful due to Cambridge so I was thankful for that. I'd tell friends to definitely use Cambridge.
I needed to consolidate my credit cards to get the interest rate to a reasonable level and a friend referred me to Cambridge Credit Counseling. The process was straightforward. I just had to fill in an application and they figured out what my budget and income were. I needed a reasonable payment plan for where I was at and they sent out informational tools such as different tracking and approaches so I won’t get behind on debt. The program served the purpose that I needed and the cost of service was very good. And if I ever had to call to check on my account during the process the people were helpful. I felt good working with them and I was able to pay off that debt situation that I was in. Cambridge Credit Counseling was very helpful in a tight situation and they were able to get the interest rate down. It's not something that you can just do on your own with a company.
My debt was so large that I couldn’t handle it on my own. I was living down in Delaware at that time and saw Cambridge's ad on an internet website and they sounded good. I inquired with them and everything worked out. I submitted to them the total amount of debt and all the creditors and supplied the account numbers. I also supplied my personal income so that they could figure things out. They looked at the debt that I was in and they structured a payment plan. They also reduced the interest charged on a few of my debts which was extremely helpful. Then, they made my monthly payment affordable, so it turned into a 4-year loan to pay off. All they did was set one account up and I just paid it every month and I absolutely liked it that way. Also, my fee to Cambridge was very low. I couldn’t have asked for a better deal. I was very impressed.
Most of my interactions with Cambridge was done online and I rarely needed to talk to anybody except at the very beginning. Once it was all set up, it just flowed every month. However, in June of 2017, I was hit by bank fraud and my checking and savings accounts were wiped out, so there was a hurdle I had to go over because if I didn’t give Cambridge my money for the debt, they were going to discontinue their relationship with me. I had to scrounge up a couple of hundred dollars to give them even though the bank fraud wasn’t my fault.
Cambridge made my life extremely easy for four years though. It was such a relief to pay a company just one lump sum and have them distribute it to all my creditors, rather than having me fumble through eight bills trying to figure out who gets what money and how much. The efficiency was very good. At the end of paying off all my bills, they sent me a little exit package and they’re very helpful on how to structure a budget. They also have money experts to help me with taxes and investments. All these are free stuff. They even sent me a certificate of achievement for paying off all my creditors. I kept the certificate of achievement because I want to be reminded that it’s no fun to be in debt and for me to watch my money more carefully.
The Cambridge staff is extremely nice and very helpful, and they respond very well. They're genuinely concerned about people and the fact that these people are in debt. I’m impressed that they are letting me continue on with them if I have any further questions about staying out of debt or building up my own income. They’re a 5-star company.
I had a few credit cards with their interest rate eating up the payment amount. I heard good stuff about Cambridge Credit and I had used them before. I contacted them and they were able to help me out. They got some information from me then they emailed me some documents that I had to complete. I sent the documents back to them along with my bank information because it was an automatic draft. It was a very quick process. They had three of my cards and one had quit charging me the interest. They lowered the interests of the other ones so most of my payment was going to the principal instead of the interest. Their counselors were always very helpful from the time that I signed up until the day that I paid it off.
I was most impressed with their professionalism and ability to assist me. They would call me once in a while just to make sure that I was staying up-to-date on the rest of my stuff. And they would send me emails to read to make sure that I won't get into the same problem again. I was comfortable working with them and they made the experience simple. Cambridge made the payment plan affordable and reasonable. The program saved me money on interest rates. I sold my business so I was able to send them the rest of the money to pay off all of my cards. Right now, I'm debt-free and my life was impacted in a very positive way. I will always recommend them and tell anybody who is in debt especially on credit cards to give Cambridge a call and that they are the way to go.
Cambridge Credit Counseling was very helpful. They paid off my bills regularly and I got my statements on time. At the very beginning, they were very congenial, understanding and patient. Payment was automatically withdrawn from our accounts and they paid the bills. They were wonderful about it. It took four years to pay everything off. It was longer than I wanted, but life is what it is. I would definitely use them again and I'd recommend them to my friends. They provide the service of helping with bills that would go unpaid or go to collection and can turn into a nightmare.
I was trying to pay off some credit cards I was having trouble with. It was getting out of my hand so I made some research and found Cambridge to be the best choice because of the way they work with the money around. It was expensive to have them take care of my money but there was more expensive stuff around that does the same thing. Cambridge did it for less money and I took advantage of the situation. They put about three accounts together and helped me make a single payment. They worked somehow so I don’t have to pay any interest or very low interest on some of the accounts that I have. Cambridge helped me get out of my debt. My life is a little bit better now.
I was overextended and in a lot of debt. When I called and spoke with the guy at Cambridge, he seemed to be on the up and up. They were the opportunity to get control over my debts without filing bankruptcy. They were able to consolidate all of my bills into one payment and negotiate the interest of my creditors while I was on the credit reduction plan. I was able to have a working amount of capital to live off of each month. The most difficult part of it all was getting all the account numbers, addresses and contact information for each and every creditor, because I had multiple cards. But the enrollment process was pretty simple. Early on, there was some difference in some of the creditors with their due dates versus my Cambridge due date. So we had to do some tweaking where I had to pay one of the creditors a month in advance so that the due date didn’t fall behind every month. But it was all pretty seamless.
$24 was the amount that went to Cambridge every month, but that cost was minuscule compared to what I received in service. Working with them made it that much easier to have disposable income, to not be stressing, to not cringe every time the phone rings ‘cause you’re wondering which bill collector is yelling and screaming on the other end of the line, or not being afraid to go to the mailbox. So, it’s a better way to live.