Cambridge Credit Counseling Corp. Reviews

67 Hunt Street Agawam, MA

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Edited by: Jana Lynch

About Cambridge Credit Counseling Corp.

Based in Massachusetts, Cambridge Credit Counseling Corp. is a nonprofit credit counseling agency that provides financial education and debt management services to consumers. It offers credit counseling, debt management plans, and budgeting and financial education to individuals and families to help them reduce their debts. All counselors must achieve and maintain accreditation through the National Foundation for Credit Counseling.

Pros
  • Clients are debt-free in under 4 years
  • Extensive educational resources
  • Free consultation and debt analysis
  • Licensed and/or approved in all 50 states
Cons
  • Fees vary by state
  • Must participate in a 30 to 60-minute counseling session

Cambridge Credit Counseling Corp. Reviews

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    1 featured review
    How do I know I can trust these reviews about Cambridge Credit Counseling Corp.?
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    Page 14 Reviews 2240 - 2440
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    Reviewed Jan. 27, 2014

    My daughter-in-law had some problems several years ago and went through the extremes with Cambridge Credit Counseling and was very happy with it, so my wife and I tried it... and it worked! We got rid of our major debt problem and hopefully we are going to stay that way. They gave us a monthly report on what was going on and they were very easy to get along with. It was the best get-out-of-debt I've ever experienced.

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    Staff

    Reviewed Jan. 26, 2014

    Cambridge was the best thing that ever happened to me! I was watching CNN and they were talking about credit card debt and everything. It's over five years ago. I was in a stressed state at that time, so it piqued my interest. One of the people in the panel recommended it and gave a phone number. They tremendously helped me. They made you feel like you weren't a bad person for getting yourself into debt. You try to do your best but life just throws you punches that you have to do what you need to do to survive. So Cambridge Credit Counseling made me feel that they supported me and that they cared about me.

    It was very painful to start with because I didn't have extra money. Once I was able to resume my prior employment, it's been awesome. It got better because you got raises and so it was more manageable. But it was the hardest thing. It was a hard lesson to learn. It was hard to go through it, but it was the most rewarding thing. It was gratifying to me that I could pay off my debt in five years.

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    Reviewed Jan. 25, 2014

    I had used Cambridge before and had seen it advertised on television. Plus I knew I wouldn't be able to get anything from the bank so I contacted them. They were great and were able to lower my interest rate. They called me every once in a while just to check and see if I had any other bills I wanted to add... and now they're all paid off! I appreciate what they did for me and have already recommended them.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Jan. 25, 2014

    I was surfing through Line 2 for consolidation of our debt. Cambridge popped up and I was just reading reviews, did a couple of research here and there, checked out the website, and they had pretty good reviews and actually pretty friendly people. My interaction with them was pleasant. Every time I called or asked questions or get updates, they were pretty quick and very informative. They gave me extra information that I needed and information I didn't even ask for, that I didn't know about, they reminded me about it. They were actually pretty good at lowering my interest rate.

    They're always giving me updated paperwork that I need and keeping me advised on how my loan's going, no schemes. They were just straight to what needs to be done. Don't try to sell you nothing that you don't need. They pretty much inform you what's out there. Of course if you need more help with your financial situation or finance planning, they offer other help.

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    Staff

    Reviewed Jan. 24, 2014

    I was just graduating college with a lot of student debt and I needed to get rid of some other debts and to find a way to consolidate. I have read some reviews on Cambridge Credit Counseling and contacted them. When I had to contact them like when switching my bank account, they were pleasant. If you're looking to get rid of credit card debt, go see a debt management system like this.

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    Reviewed Jan. 23, 2014

    I'd recommend Cambridge Credit to a friend. My experience with them was great.

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    Customer ServicePriceStaff

    Reviewed Jan. 22, 2014

    I went straight to Cambridge Credit Counseling. Everybody was very kind and helped me out and got me a payment plan and helped me with my creditors. So it was good. I don't think they were able to lower my interest rate but I was happy just to be able to get the bill paid off without people harassing me and not have to file bankruptcy. That would have been the next step. I was quite pleased with them. Whenever I had a question, I could call. They answered it. It was a good experience.

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    Sales & MarketingPrice

    Reviewed Jan. 22, 2014

    I heard about Cambridge through a talk show program on TV and there was a state representative who was talking about debt counseling. You hear all these companies in advertisements but this guy endorsed it. Basically, he said Cambridge is a credible or good company if you have a debt counseling issue. So I wrote it down right away. You can hear anything you want [and they had it], but if somebody that’s a credible person says, “Hey, this company is legit,” then that’s what I’m more into and less into than ads on TV or something for a company.

    They were able to lower my interest rate because my interest rate was 29.64. It was up there. There was no way I could get it ever paid back. And it was all medical bills that I had to put on a charge card at a couple of times. I had a couple of tragedies in my family. I had a son that had cancer and I don’t know if you have any clue how much you’re going to spend if you got a family member with cancer. You’re traveling all the time. Three years after that my wife got real ill and she was in a specialized hospital for about seven or eight months and then she died. So I lost two people in a matter of a few years. But they wrapped up the bills, even our hotel bills and medical.

    With Cambridge, I didn't have any problems like if I couldn't pay a month or something like that. I was able to pay every month barely but I was able to pay the bill each month. I never ran into any trouble with them. And that’s where you’d find out what kind of company it is. I come so close sometimes when they were going to pull the money out of the account. I get just a couple of bucks to get the money I needed to pay them off like a few hours before they pulled it and stuff like that. It was nerve wracking but I was able to make it.

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    Reviewed Jan. 21, 2014

    I heard about Cambridge Credit Counseling from a gentleman on the radio, a finance guy here locally. I really didn't have a whole lot of interaction with them, just the initial. There were times where they'd ask for followup calls but I was handling everything fine myself. They lowered my rates on some of my cards. Cambridge was very helpful.

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    Reviewed Jan. 20, 2014

    I was trying to get caught up on bills and get them paid down. I looked at some banks but they wouldn't loan me any money. So I went with Cambridge Credit Counseling. They were able to lower the interest rates on some of my bills. They were very useful.

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    Customer ServicePunctuality & Speed

    Reviewed Jan. 18, 2014

    I heard about Cambridge on Fox News so I looked them up on the internet and went to them. Originally, when I called, we went through all the procedure of what we needed to do and it was informative. It went pretty quick. They took care of everything so I got set up on the program. It works great. All in all, it was a good experience.

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    Reviewed Jan. 17, 2014

    I heard about Cambridge through a friend. I got in contact with them because I had credit card debt that I was making minimum payments on a month, and I was never going to be able to pay it off at that rate. So I need some help getting the interest rate lowered. And they were able to do that. They were extremely helpful. I have recommended Cambridge to friends.

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    Customer ServicePriceStaff

    Reviewed Jan. 16, 2014

    A friend of mine had previously used Cambridge Credit Counseling for credit card debt so I used them. Every time I talked to them over the phone, they've been very friendly and helpful in terms of coming up with a plan of how to fix my debt. They worked for me to have a lower interest rate and helped me pay off my debt much sooner. I have more money now that my debts are paid off and I've learned life skills in terms of savings from that.

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    Reviewed Jan. 15, 2014

    I've used Cambridge Credit Counseling twice. The first time, I had credit card problems, only a lot worse. But then I got into credit card problems again. So I dug up the paperwork that I had at that time and I gave them a call. My experience with them was good. I haven't had any problem at all with them. They lowered my interest rate and working with them gets me out of debt. Other than my mortgage, I'm pretty much debt free.

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    Reviewed Jan. 15, 2014

    I got out of those credit cards working with Cambridge Credit Counseling. Everything went well with my interactions with their people. I went straight to them and didn't seek any assistance from my bank or any other institution before contacting them. They were able to lower my interest rates.

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    Reviewed Jan. 14, 2014

    I heard Cambridge on a radio station on my way home from work one day. I got in contact with them because I thought it would just be the easiest way for us to reduce our debt to pay our credit cards off. It's been great so far. We literally just paid our last payment last month. We're just now starting to see a difference. Cambridge was very helpful in helping us get our lives back on track.

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    Reviewed Jan. 14, 2014

    I just heard about Cambridge Credit Counselling on the radio and it was back in Michigan. I’m in Tennessee now. They worked well for me. I didn't have any problems with them and they got my interest rate down like they said they would. It took me a while to get it all straightened out, but it’s all straightened out now. They were helpful every time I ever called them, so I didn't have any issues at all. I’d recommend them.

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    Reviewed Jan. 13, 2014

    There was nothing I could do for myself. I was always stressed about everything, credit card problems. I saw the Cambridge Credit Counseling number on TV and I called them. They were good. It worked for me. When I used them, I didn't think about them for four or five years and now they're all paid off.

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    Customer ServicePriceStaff

    Reviewed Jan. 12, 2014

    I heard about Cambridge through an article or a show that listed a bunch of credit counselors and for some reason I picked them. They’re really helpful. I can always get someone on the phone. For the first six or eight months someone would call me to check in just to make sure everything was going well and payments were too high. I called them, and they were able to get them lowered. They were super, super low. Like 6 or 7% interest rate. Very, very low, reasonable payment. So it was a really great experience. Have recommended them to people.

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    Reviewed Jan. 12, 2014

    I have nothing but really high regards to Cambridge Credit Counseling. I would refer them to everybody, anybody that wants to be responsible for their debt, doesn't want to file bankruptcy, wants to own up. I didn't want to get out of my debt. I'm self-employed. I got myself in a horrible situation. I paid it off and it was great. I only had really one or two interactions with people at the very beginning. We set my payment structure. They handled everything. And I never missed a payment. It always came out of my account and I'm done. Excellent.

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    Reviewed Jan. 12, 2014

    I was looking at some of the yellow pages and that was about 4 years ago. I did decide to call Cambridge and look into what they were offering. I thought it would work for me so I got into a program. It kind of boost my faith within myself to know that I can get with one thing and stick with it till the end, so that kind of help me to see that I could do that. And when I got with them, that's what it did for me...to see that I can stay on track with something and stick with it.

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    Customer ServicePriceStaff

    Reviewed Jan. 11, 2014

    I saw an interview on one of the morning stations with the founder or president of Cambridge and I called them, they set up a program for me and it worked very well. The people at Cambridge were very knowledgeable, very friendly and very helpful. I had 23 different credit cards and they go into some very high interest rates - 22, 23, 25%. They got them all down to 8, or 9 was the most expensive one.

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    Reviewed Jan. 10, 2014

    Cambridge is the greatest place in the world. They are amazing people. They help me four years with my credit cards. I am no longer in debt there and they got my loan and my home mortgage modified. The money that I spent to do this is minimal. I would recommend them to God.

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    Reviewed Jan. 10, 2014

    Some financial person had mentioned Cambridge Credit Counseling on the radio. That's why I looked into it. I wanted to do something to get rid of some debt so I went with Cambridge and it was good. They were very helpful and I'm glad that I don't have that debt anymore.

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    Reviewed Jan. 9, 2014

    I was sharing some information about my own situation with a friend and they talked about the Cambridge program that they went through. I looked it up and went from there. Since he went through it, it was enough for me to trust. I didn't go to my bank but I did seek some other debt consolidators. It's the trust issue. The people at Cambridge were able to lower my interest rates and stayed on it. I did what they asked me to do as far as paperwork and we got it going. Every month, I was able to get myself through email so I was seeing what was going on. Most definitely would recommend them to a friend.

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    Customer ServiceStaff

    Reviewed Jan. 8, 2014

    I had a friend whose wife had heard about Cambridge initially on the Oprah Winfrey Show. She had called and spoke to them and at the time they were thinking about doing it so when he told me about it, I called them and they just seem to be very willing to help and seem to have a pretty good reputation and so we went with them. I can't say enough about that company because they had been so accommodating and anytime you call they're so nice and helpful and I was very pleased with the whole thing. I have recommended them.

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    Reviewed Jan. 8, 2014

    Our experience with Cambridge was excellent. We've used them before and we'd use them again.

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    Reviewed Jan. 7, 2014

    Everybody that I have dealt with down at Cambridge Credit Counseling has been excellent. Jennifer had so much patience with me. I would recommend them to a friend because a friend did recommend them to me, and she was very happy with them as well.

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    Customer ServiceStaff

    Reviewed Jan. 7, 2014

    I had a friend that was into debt and had gone to Cambridge to consolidate. I called and talked to them, and they contacted me as needed. I didn't often respond like I didn't call them back every time that I needed to but they were always very helpful and encouraging. It was a good experience. I have already recommended Cambridge to a couple of friends.

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    Customer Service

    Reviewed Jan. 7, 2014

    We had credit cards that we were just barely paying. We were paying but we would use what we paid each month and we were just stuck. And our medical expenses were increasing. So we needed to get those paid off and we needed a way to do it so we decided to contact Cambridge Credit Counseling. We were with them for three years and had an excellent experience. I have no complaints at all. Any time I needed anything, they took care of it for me. They took a lot of stress off of me. My husband has been very, very ill and so we had medical bills that started piling up. Cambridge jumped right in there. I gave them the information and they immediately took care of it and stopped all the calls and got everything paid. If we have a problem, I would definitely use them again.

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    PriceStaff

    Reviewed Jan. 7, 2014

    My husband researched and looked into some of the different companies that try and help with credit card debt. He heard that Cambridge Credit Counseling was the best. We went straight to them. It's been great! Everything worked really well. They got us out of credit card debt. They worked with all our creditors and got down to where some of them there was no interest and some there was a little bit of interest. But we were able to get that money in the bank every month and they paid it. Then when I was fortunate enough to be able to pay it off, they handled all that and it was awesome!

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    Customer ServiceStaff

    Reviewed Jan. 6, 2014

    My dilemma was that I had gotten myself into debt due to family emergencies - in order to save my granddaughter's life. I knew I needed help in getting out of debt because when you're trying to save a life, the sky is the limit. Unfortunately, she did pass and I was in a mountain of debt. I use credit cards whenever I could and I knew I was in trouble. However I do know I have a very good job and make a lot of money so I just needed someone to help me get through it and I was terrified. I’m from Cambridge and when I looked in the book looking for something for management, one of the members of Cambridge Credit Counseling came to me.

    When I called and told them the dilemma that I was in, they were very soothing and very attentive and absolutely took me on as a client. The sales representative called and talked to me in the first month that I signed on. However through the years when I called, I talked to whoever answered the phone and sometimes they knew and sometimes they didn't know me. I thought the personalization was really valuable when going through difficulties. I did get someone. They would always call back but I didn't always talk to that counselor and in the very end it was like this basic business. Their record keeping is good. They did provide me with paperwork. However, I do have one criticism and that is I never saw the balance shrinking. I did not know what the balances were. You don't see it shrinking and you need to see it's going away. I would recommend them to anyone because of the way it's set up though.

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    Reviewed Jan. 6, 2014

    I first heard about Cambridge Credit Counseling through my sister. And the reason why I contacted them at the time was because I had just moved to a different state, transferred with my company. At that time, a lot of us had gotten laid off. It just came out of nowhere. So I still had bills to pay and I contacted them based upon my sister's experience with them. It was very rare that I felt that I needed to contact them because everything was handled in a timely manner. Once I got my creditors set off, I never had any issues at all. And if I did have any questions, I could contact Cambridge. If I talked to a person, they were always very helpful to me. I've told my other sister about them as well. There's quite a few people that while they don't talk really about their personal experiences with their finances, I have made reference to Cambridge to them.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Jan. 6, 2014

    My interactions with the team at Cambridge were really good. They got back to me really quick when I called them, and their answers to my questions were right on so it made me feel comfortable. They were very professional and handled everything really well and advised me of anything if there were any discrepancies in the bills or anything quickly so that I could fix it. They were just really good!!! They were able to lower my interest rate.

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    Reviewed Jan. 5, 2014

    I heard about Cambridge through a friend who was also using them at the time. The reason we had gone with them was because I had lost my job. So it made a huge difference in income so we had to make some changes. We went straight to Cambridge and it went very well. We didn’t have any issues with anything. We always had access to information. They were very helpful throughout the whole process. They helped out a great deal, and did lower our interest rate. I would recommend Cambridge.

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    Reviewed Jan. 5, 2014

    I heard Cambridge from my neighbor who had had the experience of going through them so I decided to contact them. I did business with a John and he was just wonderful, very understanding, kind and patient with an old lady and really nice!! I have recommended them to two other people.

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    Reviewed Jan. 5, 2014

    I saw David Ramsey on television and he recommended Cambridge Credit Counseling. I did get a lot of the interest on my credit cards lowered myself. It was just so hard for me to force myself to make the extra payments. That's why I went with the group. That way, I paid a certain amount, paid one instead of six which just made it easier and tough at the same time. It was great working with the team. They had done everything good. I'm glad it's over. They did everything they said they would and done it good.

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    Customer Service

    Reviewed Jan. 4, 2014

    I was originally signed up with another company through a recommendation of a friend. They ended up being poorly managed and went in bankruptcy and had a class action lawsuit filed against them. It was a horrendous experience. After a year or more of dealing with them almost on a daily basis, I researched on the web and came across Cambridge Credit Counseling and they were highly recommended. So I signed up. I did my first interview because obviously having a bad experience, I had lots of questions and they met a lot of points that weren't met by the other companies. They did it the right way so that alleviated a little of my fears about choosing them. They paid everything to the creditors that they took out of my account. That was a big bonus compared to the other one, considering the other company did not do that. But outside of doing a good job, they communicated really well. Every month, I got a statement that said what was paid into what card and when it was paid and everything was confirmable. The transparency and the confirmations every month was a huge help.

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    Reviewed Jan. 3, 2014

    Going back a few years, living in the Greater New Orleans area, we were impacted by Hurricane Katrina... I found Cambridge online and got in touch with them. They were helpful, attentive and compassionate.

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    Reviewed Jan. 3, 2014

    A friend of mine told me that she saw Cambridge Credit Counselling either on the Ellen Show or something. At the time I was just choking with credit card debt. Every month I would pay the minimum balance and not have anything left over. The balance wasn't going down and I wasn't having any money so I went to them. I had to pay every month drastically but I just finished the program and it was good! The people at Cambridge were GREAT! I have recommended them to people.

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    Reviewed Jan. 2, 2014

    Cambridge Credit Counseling handled everything beautifully. I have no complaints and I would recommend them to anybody. And I'm so glad I got them paid off. I had no problem with them. A guy named Jack was the one that handled all that stuff and he was fantastic.

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    Reviewed Jan. 2, 2014

    We were just trapped, trying to make ends meet, trying to pay all those bills at one time. And we looked Cambridge Credit Counseling up in the telephone book. We had no problems whatsoever with them. Everything went real smooth and if I had questions, I'd call them up and they'd get back with me. It's been a good experience.

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    Reviewed Jan. 1, 2014

    A friend had got in with Cambridge and she was happy with it so I decided I would check in with it. We had really good people that helped us. We got five or six different credit cards paid completely off. We just finished. Life is very good. We liked it!

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    Reviewed Jan. 1, 2014

    I learn about Cambridge from WLW radio station and I was in kind of a desperate place so I went straight to them. They were very pleasant and cooperative and quick to get on the phone. In most cases Cambridge were able to lower my interest rate. Now that I’m complete with them, it’s a good feeling. It’s a great experience.

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    Reviewed Dec. 31, 2013

    It was through a friend of my sister’s that I heard about Cambridge. I went straight to them. They were able to lower my interest rate. Everything was fine and good. They helped me out and did wonders for me. It helped a lot.

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    Reviewed Dec. 31, 2013

    It was some time in the fall of ’08 when I heard about Cambridge because my mom was in the program. I had in the past asked the assistance of some institutions, and I thought I’d try something else.

    Most of what I did was online on the computer - a few surveys here and there. I didn’t have a whole lot of interaction with people. And in all the cards that I had in the program, the interest rate was lowered. It was a simple process and they were easy to work with to get out of debt.

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    Reviewed Dec. 30, 2013

    My brother works at Cambridge, and I worked there for a while myself so I knew about Cambridge for a while back. I had it on direct deposit. The process was pretty easy. They're a very, very good company.

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    Reviewed Dec. 29, 2013

    My experience has been very good. I would recommend Cambridge to friends and family.

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    Reviewed Dec. 28, 2013

    I did have a good interaction with the people at Cambridge. They didn’t make the process too complicated at all. They explained everything really well. And I believe they did lower my interest rate. Cambridge were very helpful and took a lot of stress off.

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    Reviewed Dec. 28, 2013

    My mom found an article in an old magazine. She gave it to me and said, "I found this article. Check into it for that counseling to consolidate all your credit cards." So I called Cambridge up and got our plan. And it was easy and it was a fine experience. It took a long time but that's my fault. I would definitely refer somebody to them who needed help.

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    Reviewed Dec. 28, 2013

    I heard about Cambridge over Moody Radio. They were able to lower my interest rate and I finished paying it off. I’m okay now.

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    Reviewed Dec. 27, 2013

    I was watching the news and Cambridge were on the news as one of the better people to use. I got in contact with them because we had bought a house in 2005 and we put a whole bunch of money into remodeling it and then the economy started to die. We weren't able to recoup our remodel by selling the house. We’re a military family so we were planning on buying something, gaining equity, and then selling and making some money. And that just happened. So we used them to pay off all the debt we had from the house. Cambridge people were really good. They were able to lower our interest rate. Now I’m totally debt free except for my house and my car. I just paid everything off this December. I definitely recommend them. My experience with Cambridge was life changing.

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    Reviewed Dec. 26, 2013

    I had a large credit card balance and wanted to pay it off, but I couldn’t pay it off with what they wanted - on their monthly rates and with the interest going up constantly. I wouldn’t have been able to pay it off. So I went into the yellow pages and found Cambridge. They did lower my interest rate. I've told people about them and to call them if they were in debt and to find their way out of their debt, definitely... I would recommend them to anybody!

    That was a great experience for me because I really felt very hopeless at first. I thought to myself I will never be out… and I will never get into that situation again. That's the end of that credit card stuff. I found that really doing the way I did and not missing the fact of that money being given back the way it was given back to Cambridge Counseling, I've learned to live without the need of having a credit. It made me learn to pay for everything upfront and if you don’t have it, you don’t have to put yourself in debt to get it.

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    Reviewed Dec. 25, 2013

    My daughter told me about Cambridge Credit Counseling. I loved it! Their people were really nice, and they lowered my rates for me, so working with Cambridge has been good for me.

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    Reviewed Dec. 24, 2013

    My husband had used Cambridge and when I've had the need, I contacted them as well. They were all very helpful, nice and informative. They were able to lower the interest rate on some of the accounts. If the balance due is over a certain amount, they could lower the interest rate. I accomplished what I wanted.

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    Reviewed Dec. 24, 2013

    The Cambridge people were very courteous. I couldn't ask for anyone nicer! They were able to lower my interest rate and I'm all paid up with them. I don't owe any credit cards. They helped me right through it. It feels very good.

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    Reviewed Dec. 23, 2013

    I decided to call Cambridge to seek assistance for my credit card problem. They target the different companies that you're having difficulty with by lowering the interest rates and making it more affordable and before you know it, it's paid off. I’ve had no problems dealing with them except for the one time that a rep didn't read my statement properly when I called to find out about my final closing statement. But other than that, in my experience Cambridge has been a professional operation.

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    Customer ServiceStaff

    Reviewed Dec. 23, 2013

    Cambridge is just FANTASTIC. They’re easy to work with, understandable and the people are great. Everyone I came in contact with was very pleasant and helpful. They were good from beginning to the end. We did our contract and they would call and check on me every once in a while. They sent me letters to find out if anything had changed. I really appreciated the assistance given to me by Cambridge.

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    Reviewed Dec. 23, 2013

    We contacted them and they always answered our questions when we got a hold of them. They were very professional. They did exactly what they said they were going to do, and they did lower the interest rate quite a bit. They did a fine job.

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    Reviewed Dec. 21, 2013

    I had an HSBC which is now Capital One's. I couldn't pay off all of my credit cards that’s why I contacted Cambridge. It was only one time that I talked to Cambridge’s team. It was before I paid it off. They were good and did what they said they would do.

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    Reviewed Dec. 21, 2013

    Cambridge went above and beyond in helping us. We had so much credit card debt and were in over our heads. We had tried calling the credit card companies directly to see if they would negotiate with the interest rate because we had missed a few payments. And every single credit card we've jacked up almost over 20% interest and they weren't going to do anything for us. My friend who worked for Cambridge sat us down and worked out a great agreement. They even helped us refinance our home too all at the same time. Our home interest went from 9% down to 2.5%. They're incredible!!! They saved our home and our credit. I can't say how grateful we will always be. They were absolutely amazing!! I would recommend them in a heartbeat.

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    Reviewed Dec. 21, 2013

    I called Cambridge Credit Counseling when a friend told me about them. I spoke with a rep named Jennifer about consolidating my credit card debts and she was wonderful. Cambridge was able to lower my interest rate and get everything more manageable for me. I paid my credit card off and it was good. Cambridge will do you good and I would suggest to get involved with them.

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    Reviewed Dec. 20, 2013

    They were seriously like the answer to my prayers! From the get go, I had such a positive experience with them. The initial representative, financial advisor, had to have been the best that they had on board because I was sad that I didn’t get to continue working with him. But he just really sat down and helped me evaluate every single one of my expenses, any debt that I had, basically just turned my life around in the most positive way! I cannot speak highly enough about Cambridge because I was devastated, was in a ton of debt, and didn’t know how I was going to get out of it. The interest rates of these credit card companies were swallowing me alive. And Cambridge helped turn a very impossible, desperate situation into one that was manageable.

    I pretty much had 95% of my debt paid off in the last several years because of their assistance, help and guidance. I’ve highly recommended them to any friends or family members who were in a similar situation where they were scared and felt it was the end of the world. I’ve had people tell me I should have filed for bankruptcy and I’m so glad I didn’t because my whole ethics and philosophy in life is you don’t do that. I got myself into my mess; I needed to get myself out of it. I am so proud and so excited to say because of Cambridge’s help, just recently for the first time in my life (and with my mother’s help who put the down payment), I was approved to buy a house and we bought our first house! And they really, really are patient. They’re kind.

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    Reviewed Dec. 20, 2013

    We sought the assistance of Cambridge because we had some debts to consolidate and they did a FANTASTIC job in helping us. Their team got back to us when we had questions and was always very good. We've recommended Cambridge to lots of people every chance we get.

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    Reviewed Dec. 20, 2013

    Their team was fantastic! They were very helpful and did everything they said they were going to do. They were a legitimate company and I can’t say enough about them. They helped me out of a really difficult situation and I paid everything off… and it was GREAT. I’m glad they’re there to help. I’ve already recommended Cambridge to some people.

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    Reviewed Dec. 19, 2013

    Cambridge delivered on their promises. Their team was responsive. I don't have any complaints. They made a plan and I stuck to it and in the end, the results were good. Anytime I called or needed any assistance, they were there to help and they were able to lower my interest rates on most of my cards.

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    Reviewed Dec. 19, 2013

    I stuck with Cambridge and it worked out well for me. My interaction with the team was fine. They were prompt and answered my questions as they came along. They did offer a number of different services, some of which I took advantage of and some I didn’t. Cambridge has really helped me out.

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    Reviewed Dec. 19, 2013

    I was drowning in debt when I reached out to Cambridge for assistance. I heard about them through a television advertisement and it seemed like a good thing to call. There were a couple in the yellow pages and some of the fees were really high. I thought with credit agencies, some they say are free, but I couldn’t find any of those. So Cambridge was very reasonable. The team at Cambridge was really good. There was always somebody there to talk to. They had my file and knew what I was talking about and they would call periodically. They also send review letters updating things on a regular basis. I have recommended Cambridge to my friends.

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    Reviewed Dec. 18, 2013

    I am glad that Cambridge was available to help. I heard somebody mentioning their services over the radio and thought that would be worth checking into, and it was! The lady rep I interacted with was great. Cambridge has DRAMATICALLY lowered my interest rate.

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    Reviewed Dec. 18, 2013

    I was at the hospital one day and looking through a magazine. It was a Christian magazine and I found the article about Cambridge Credit Counseling. I didn't know how I was going to get my bills paid. I contacted them and it’s great. They were able to lower my interest rates and I’ve got them paid off. A huge weight has been lifted off my shoulders. I enjoyed the experience with Cambridge very much!

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    Reviewed Dec. 18, 2013

    I was dissatisfied with the people I was with before and a friend of mine referred Cambridge. I could call anytime I needed to. They helped me get out of debt and whatever question I had they helped me out with it. I would recommend them to somebody. They were very helpful.

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    Reviewed Dec. 17, 2013

    I was kind of at a loss when I called Cambridge and they were just very helpful to me at explaining how I could get out of this debt that I was in. Cambridge was extremely nice and knowledgeable. Just what I was looking for.

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    Reviewed Dec. 17, 2013

    I've used Cambridge service once before 15 years ago due to marital debt and I didn't have any problems. I knew what I needed and how their product works. My interaction with the Cambridge team was all positive. I never needed to contact them much. It’s very convenient and easy to work with them. I would recommend them to a friend.

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    Reviewed Dec. 17, 2013

    Cambridge is the place to go to for anybody in any kind of trouble as far credit is concerned because they can help you. I was watching the news and saw them. I know there's a lot of people I hear always taking people's money and a lot of people act like they can do this and really can't and a lot of people were losing their homes and because of propaganda. But I was thinking it is legit if the news was promoting it so I figured I was going to try it. I spoke with them and that was it. I was able to talk to my credit counselor as much as I needed. I worked with Chris (he was assigned to me). He was very good. They were able to lower my interest rate. It took some time but I got out and I'm here. They work with you. I am finished. That's why I tell everybody about Cambridge. I’m very satisfied.

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    Reviewed Dec. 17, 2013

    Cambridge is wonderful! My first year was with them. They were very helpful every time I contacted them. I've only dealt with two of them and they both treated me very well. They were able to lower my interest rate. It's awesome! I'm happy! I'd recommend them to anybody. If I ever get into trouble I'd be calling them again

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    Reviewed Dec. 17, 2013

    One of the credit cards went crazy and started raising interest. I was up against the wall and my neighbor told me about Cambridge’s program. He said, '”Yeah, we're almost paid off now and we're going to do it again...” and I said, “Really? Does it affect your credit?” He said it doesn't hurt your credit. I've had a really rough time but I never had to file for bankruptcy. If it wasn't for my neighbor I probably would have taken just anybody's word. I wouldn't have to look into it. But I'm glad I called and it all worked out. I didn't want to default it and I'm glad I paid it off! I'm very happy. It was a positive move. If I ever got into a jam again where that would come in handy, I would do it. Hopefully I'd never have to.

    It was all automated but once or twice I called and they were very polite and very nice and gave me the information I needed, and everything was handled according to their program. Nothing went wrong. Everything was perfect! All the deductions and props all were on time.

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    Reviewed Dec. 16, 2013

    I was dealing with some debt and wanted a better management plan. So primarily, it’s credit cards with real, real high, inflated interest rates. I could see that my payments weren’t really putting a dent in the balance. My husband has been downsized at the same time. We went from two incomes down to one income. A family member had told me about Cambridge because she had used them some years ago. And that’s when I called and enrolled. It has been excellent! They were very helpful. They would call me periodically just to check in.

    Once they found out my husband had been downsized, one of the counselors called me and told me some things I could work out with my mortgage - about contacting my bank and what to ask for. Of course, the videos and the newsletters were helpful. They lowered the interest rates and got them all paid off. They followed up with me when I finished my last payment. And in the process, I ended up moving into another home. They sent some tips. It helped me understand a whole lot of the language when you deal with home ownership and mortgages. I feel that they were genuinely interested in helping. Because even after I initially enrolled, I had called after then and added a couple of other things to the plan. I would highly recommend them to anybody.

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    Reviewed Dec. 16, 2013

    Some gentleman was talking about debt consolidation and recommended Cambridge. I was hoping for good things. I was a little skeptical because I heard about it on the radio. But it wasn’t just an advertisement; it was a gentleman talking about paying off your debts and he highly recommended Cambridge.

    The credit counselor was very good and very helpful. It was just plain and straightforward. It didn’t seem like there were any hidden agendas to it. We’re done with the program now, so it’s greatly helped us because I have peace of mind now. My debts are all paid.

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    PricePunctuality & SpeedStaff

    Reviewed Dec. 15, 2013

    I wanted to pay off my credit card faster and lower the interest rate so I called Cambridge and they did an excellent service. They were always very helpful and I never had to wait. The minute I wanted to talk to somebody, there was always someone available to talk and they were always on top of things.

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    Reviewed Dec. 14, 2013

    I was having difficulties financially, and Cambridge was able to help me. They were able to lower my interest rate and I’ve paid it off. I feel a whole lot better now.

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    Reviewed Dec. 13, 2013

    My son was with Cambridge and he liked them so well. Everything went so well with him I just decided to do it myself. They were there for me when I could hardly make it. Then I finally had somebody to help me along. Everything worked out fine with me. It's just been WONDERFUL. I would recommend Cambridge to a friend.

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    Reviewed Dec. 12, 2013

    We called Cambridge and then I looked at them online. I was hesitant to go with them at first because there were some negative comments online. We made the decision because we were at a point where that’s what we needed to do. And it was a positive experience even though it was a negative reason we had to go there to begin with. They lowered our interest rate, and we only interacted with the credit counselors a couple of times - I just kept a monthly tally. I have recommended Cambridge.

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    Reviewed Dec. 12, 2013

    Somebody got Cambridge and recommended it to me. I’m done with payments and I’m happy! I recommended it to another person. Very Good experience!!

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    Reviewed Dec. 11, 2013

    The credit counselors were great and Cambridge absolutely lowered my interest rate. It’s over now and I’m done with the program. I have recommended Cambridge to a couple of people.

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    Reviewed Dec. 11, 2013

    I called Cambridge and they explained how things worked. The credit counselors were very helpful and Cambridge did lower my interest rate. They do excellent work. Some people in life fall down but they are the type of people that will help you get back on your feet. That’s basically what happened to me.

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    Reviewed Dec. 10, 2013

    There was a man on The View who was talking about a book he’d written about people who were in trouble with their credit cards and their debt and the different organizations that helped them. That’s how I heard of Cambridge. I went straight to Cambridge and talked with credit counselors. They were very kind to me and very helpful. They’re very good. They made it where I was able to pay it off in about 3 years.

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    Reviewed Dec. 10, 2013

    Everything was wonderful. That was our second time with Cambridge and they’d done a real good job. I appreciate it.

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    Reviewed Dec. 9, 2013

    At first I just thought I’ll see how much Cambridge can knock the interest down or if it’s a gimmick. Then when I found out that it was a pretty good deal, I decided to go with them. It didn’t help me payment-wise. My payment per month was still the same but a lot more went on the interest, and what they charge was real reasonable - 6% or 8% of the payment. I didn’t have too much problems with the credit counselors. I took the payment right out of my checking account every month so I really didn’t have to get back with them very often. Cambridge is legit.

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    Reviewed Dec. 9, 2013

    I had just lost my job, and we use our credit cards a lot to survive. I heard about Cambridge on the radio and I thought let’s call and see what their plans are. We did and it was a very good experience. They were able to lower the interest rate. The rate lowering was the biggest thing.

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    Reviewed Dec. 7, 2013

    My sister had Cambridge. When I got into debt with my husband and my son’s funeral, I maxed out my credit card and she’s the one who told me about Cambridge. I went straight to them and they were very helpful. It took me 5 years but I’m so happy that I finished paying that off. They were great. I would recommend them to my friends.

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    Reviewed Dec. 4, 2013

    Cambridge was always helpful. Working with them has been great. They got us out of trouble and were able to lower my interest rate. We’re back on track now and everything’s good. It was real easy and they did everything they said they were going to do. That’s never changed. No surprises along the way.

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    Reviewed Dec. 4, 2013

    My wife gave me the appointment with Cambridge Credit Counseling. The reps at Cambridge called me twice and tried to help me. They were able to lower my interest rate. Cambridge helped me a lot. At first, I didn’t want to do it. Some people say if I do this, I will lose my credit. But my wife pushed me to do it, so I’m glad I enrolled with the credit counseling. I’m thankful for that. I gave Cambridge phone number to my friends and they are thinking.

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    Reviewed Dec. 3, 2013

    My parents told me about Cambridge, so I went straight to them. The people there were nice and courteous. I have no complaints. I would do it again if I needed to; hopefully, I would never need to again. They were able to lower my interest rate. I’m done with the program now. I would recommend Cambridge to a friend. A great experience. I’m happy with it!

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    Reviewed Dec. 2, 2013

    I contacted Cambridge to get consolidation. I did not seek assistance from my bank or other institutions before going to them. Interaction with the team at Cambridge was positive. They were knowledgeable, courteous and helpful and were able to lower my interest rate. The experience was very positive.

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    Reviewed Nov. 29, 2013

    The team at Cambridge was super! Everybody was friendly and easy to talk to, and they were able to lower my interest rates. Now, I don’t need them anymore… I’ve finished the program. They were very courteous and treated me right.

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    Reviewed Nov. 29, 2013

    I was in a debt collection before and then I got a divorce so then I needed Cambridge Credit again. So they’ve come for me twice, and they helped me a lot. They really helped me get myself back in order since I got divorced and got me back in where I needed to be. So I do have one of those disability children with me, my daughter. They told me what I needed to do. And I just made my monthly payments and they were great. Excellent service!

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    Reviewed Nov. 29, 2013

    I don’t have any problems with Cambridge Credit Counseling. Everything went okay. We’re very satisfied.

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    Reviewed Nov. 27, 2013

    My fiancée investigated everything for me and told me to go to Cambridge. They were able to lower my interest rates. They did that with all cards except for Sears. Sears sometimes is a pain in the butt. I didn’t have to deal with the team at Cambridge because I made my payments on time and everything went good. And when I came to finish up, I was finishing up early. I had sold my house and wanted to pay everything off. So I knew I could afford what I was going to buy. And it was surprising how they are very responsive to my needs, something different. They did a good job.

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    Reviewed Nov. 27, 2013

    We did some online research and Cambridge was the one that had the best reviews and the best customer satisfaction. The people at Cambridge were all very professional, took care of any questions or any issues that we had that arose. They took care of them immediately. They lowered the interest rate and got rid of all the late fees and the over limit fees and got us back on track. They provided excellent customer service!

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    Reviewed Nov. 26, 2013

    Cambridge Credit Counseling was on WTN TV and it was a news broadcast. They were able to lower my interest rate at an incredible amount. One went from 27% to 3%. I paid off $88,000 in five years with them. I would recommend Cambridge Credit Counseling to a friend. They were fabulously professional!

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    Reviewed Nov. 24, 2013

    I heard about Cambridge from a morning talk show that used to come on here in the state where I live in Maryland. And the person who was on was somebody that was in the consumer field, finances and he highly recommended Cambridge. I went online and punched my name in and heard from someone right away.

    My interactions with the team at Cambridge was fine. Everyone was real nice, very helpful. They were able to lower my interest rate. Working with Cambridge Credit Counseling has gotten me out of the debt that I was in.

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    Reviewed Nov. 23, 2013

    My interactions with the team over at Cambridge were all very positive. Working with them has enabled us to get out of debt. They were able to lower our interest rate. Now, we’re done with our program. At the time, we had gone through some major changes in work and so forth and it was a real godsend to use. It just took a lot of pressure off. It was all good. Our experience with Cambridge was easy and it worked. We paid our payments automatically every single month and any time we tried to get financing like on a car or anything like that, they were very helpful. I have no complaints at all.

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    Reviewed Nov. 22, 2013

    The team over at Cambridge was awesome. They held what they said they were going to do and held my interest rates down. It was a four and a half year program and they got it done. Working with Cambridge was unbelievable! I’ve told a lot of people about it.

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    Reviewed Nov. 21, 2013

    I’ve worked with Cambridge about 10 years ago. I didn’t work with any other institution; I just went straight to them. I felt like their system was very organized so if I had any questions, they can immediately look things up on my account or look at my history or what was going on with the creditors. I felt very confident with the balance. They were able to lower my interest rate for all of my cards except for one which I didn’t end up putting on there. It was a very good experience.

    Cambridge has kept me from going bankrupt. I had an illness that left me bedridden, and I got really sick and couldn’t work. The doctors couldn’t figure out what’s wrong with me so I had no income. My family helped me but only under the condition I consolidated. Cambridge is an efficient way to manage your finances.

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    Reviewed Nov. 20, 2013

    I first heard about Cambridge Credit on a Christian radio. The credit counselors were available whenever I needed them and my interactions with the team at Cambridge went well. They were helpful, knowledgeable and understanding. They were able to lower my interest rate. Working with Cambridge has put me totally out of debt except for my mortgage. It gave me peace of mind.

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    Reviewed Nov. 20, 2013

    This is the second time I’ve used Cambridge; the first time was 10 years ago. As always, the Cambridge team was very friendly and nice. They were able to lower my interest rate. I have referred them to my friends many times. It was a very nice experience.

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    Reviewed Nov. 19, 2013

    Cambridge Credit has been very helpful to me. I found out about them either through a friend or an advertisement. Cambridge was able to lower my interest rate and my experience with them has been good. I interacted with the certified credit counselor as often as I wanted but I only did it a couple of times to ask questions.

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    Reviewed Nov. 19, 2013

    Cambridge pretty much did what they said they were going to do. There were no surprises or hidden fees or any glitches. They just set up a program and followed it.

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    Reviewed Nov. 18, 2013

    My experience with Cambridge Credit Counseling was very good. It’s been 4 years ago since I went with them. They were able to lower my interest rate on all four or five loans and I’m done with them. Cambridge was a great help! They were easy to contact and knowledgeable. I would recommend them if I knew somebody who needs them.

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    Reviewed Nov. 16, 2013

    I only had one bill that I was concerned about which was Sears, and Cambridge took care of that. Sears was charging me interest all the time, different times and harassing me and they didn’t have any reason to because I was always making my payments. One time, I was late one month. I mailed it and it was a day late and the man actually really was so rude to me and told me that I ought to be happy that I could even have Sears and I’ve had Sears for years. I don’t anymore but that was the only one I had. So when I was saw Cambridge advertised on TV and one of my family members had it and told me about it, I contacted them. I really haven’t had a lot of interaction with them and I’m glad I had because they did lower the interest rate and all. They just automatically took my payment out and I’m just glad that it’s paid and don’t have to worry about it anymore. It was a good experience dealing with Cambridge.

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    Reviewed Nov. 15, 2013

    My cousin told me about Cambridge Credit and I called them right away. They were knowledgeable and easy to work with and contact. My interaction with them was good. I’m doing all right now after working with them. I’ve paid up everything and the program is over.

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    Reviewed Nov. 13, 2013

    I didn’t seek assistance from the bank or other institutions before I contacted them, I went straight to them. They were very helpful and great to work with. If I were short on funds or couldn't pay them, I would call them and they would work with me. They were on top of everything. They were able to lower my interest rates. It’s great! My credit is back in order. My life is much better. I already recommended Cambridge to one of my best friends.

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    Reviewed Nov. 13, 2013

    It was from my sister that I first heard about Cambridge Credit Counseling. Everything was good interacting with them. They were courteous, helpful and they were able to lower my interest rate. Working with them has helped me get out of debt. They were very helpful especially when you get yourself in a situation where you need help. I would recommend them.

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    Reviewed Nov. 11, 2013

    Interaction with the Cambridge team was fine. They set everything up and then after that there was really no contact except that they continually sent me emails. They were able to considerably lower my interest rate from the original. They got me out of debt. It was business-like.

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    Reviewed Nov. 10, 2013

    My husband went through Cambridge Credit Counseling. It’s been years ago. I don’t remember how the interaction with them was, but it was fine. I paid off four of my credit cards.

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    Reviewed Nov. 10, 2013

    Cambridge Credit was mentioned on Oprah. I tried to get a mortgage on my home that I ended up going into foreclosure over and got the second home that we had. And the banks were of no assistance whatsoever. The people at Cambridge were great. They were able to lower the interest rate. I’m out of a huge chunk of debt that we probably could not have gotten out of otherwise. They’re much better than the banks.

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    Reviewed Nov. 9, 2013

    I was never in jeopardy and never with collection agencies. But I’d taken care of my parents to their death. And they just had a lot of credit cards moving like a deck of cards. And I realized that that was dangerous. So I put all of them under the umbrella so I could pay them off and it went bankrupt. And when I found that out, I called all the debts that I had accrued in and let them know that there was a class action suit and that I would look for another credit agency to work through. I believe one of them mentioned Cambridge to me so I made a contact with them. They weren’t charging undue charges for working and I began.

    The people at Cambridge were always kind and informative. I always received a monthly statement via email. There were bi-yearly conversations with several of the managers if I needed to do so. I was very happy with them. And of course, I’m out of debt! It’s a big weight off of my head. They were professional, compassionate, and detailed.

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    Reviewed Nov. 8, 2013

    I heard about Cambridge through a mutual friend. Her sister had used the service. The whole program was perfect. It made my credit look awesome. They lowered the interest rate on all my credit cards and paid them off in full in a timely manner. It helped out a lot. The whole schedule and payment worked out very well. Great experience. Great customer service.

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    Reviewed Nov. 6, 2013

    I saw Cambridge advertised on TV and contacted them on my own. It went good. They were able to lower my interest rate and did a good job. The company has helped me and I’d recommend them to a friend.

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    Reviewed Nov. 3, 2013

    I was working at a nursing home and a girl that I worked with told me about Cambridge and how she was two years in. My consultant, when I first started, walked me through all the steps. I knew I was missing some of the information when she first contacted me - it took three phone calls. All my interest rates were over 30% once I was in the program, and they were able to lower that.

    It has made me much more financially prepared. I have everything jotted down - how much money you need for bills, how much is coming in and going out - what and where it’s going to. I definitely plan more now, and saving is now actually in the horizon versus before where it’s like I can’t afford food, let alone save money. I’ve recommended Cambridge to several people already.

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    Reviewed Oct. 30, 2013

    They were awesome! They did everything they said and kept on top of it. They kept in constant contact with us via email and always sent us a statement each month and called different times, so I can’t say enough for them. They were able to lower our interest rate. They actually got our bills paid off about two or three months quicker than I thought they would when we first started. It’s made my life much better. Everything’s great and we’re right where we need to be. I’d recommend them to a friend outside, and I’ve recommended them to a couple of people.

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    Reviewed Oct. 28, 2013

    I contacted Cambridge right away because I’ve used it before in the past. Actually, once I set up the program, it was simple and I didn’t really have interaction with them at all after that because then I had automatic withdrawals and stuff. It was really good. They reduced my interest. It was a very good experience, quality service, good representation of the company.

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    Reviewed Oct. 25, 2013

    I heard about Cambridge through my ex-husband. He got into credit card debt and he found Cambridge through another friend and then he told me about it. I didn’t seek assistance from my bank or other institutions. I went straight to them. Well, I was nervous, apprehensive. I didn’t know if they were going to be able to help me. And then I was relieved. They were able to lower my interest rates.

    They were excellent. Every time I called them, which wasn’t too often because they kept me updated through the email, they were always really professional and they seemed very insightful, educated, and they knew what they were doing and they always treated me with respect. Well, I’m out of credit card debt. It was like 3 years. That feels great. I learned a lot. I’m not accepting credit cards right now. They have been offered through the mail but no, I don’t want to get into that cycle again. I do recommend Cambridge to others. I have recommended it a couple of times to different people.

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    Reviewed Oct. 21, 2013

    Before Cambridge I was very overwhelmed. I don’t go online that often so I would get emails and then by the time I got to them, they were old. But the ones I did get to read were good. So I would have to say it was positive. Working together with Cambridge succeeded in solving the problem that me and my husband were having. They were able to lower my interest rate.

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    Reviewed Oct. 19, 2013

    I heard about Cambridge Credit Counseling through WJR Radio and went straight to them. I really didn’t respond to any emails or anything that they sent me during the process. But they were very kind and helpful setting up the program and explaining everything and very upfront with their fees. We were able to get rid of three credit card debts. I had a great experience. They were hassle free, professional and honest.

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    Reviewed Oct. 19, 2013

    We got something in the mail about Cambridge Credit Counseling. We did not seek assistance from our bank or any other institution before we contacted them. We checked the Better Business Bureau and that was about it. Our interactions with them were fine. They were really good and quite helpful.

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    Reviewed Oct. 19, 2013

    I heard about Cambridge Credit Counseling through the radio. There wasn’t a lot of interaction.They told me what I needed to know, what the deal was, and it was good. Working with them had a good effect. They were able to lower my interest rate. They were very professional.

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    Reviewed Oct. 18, 2013

    A friend of mine told me about Cambridge. I was trying to get rid of the debt that I had. It’s hard to get rid of a debt, but they helped me get rid of three of my debts. They were also able to lower my interest rate. Great service. You can always reach them any time.

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    Reviewed Oct. 18, 2013

    My interactions with the team were all good. They were really helpful. I mostly spoke to one person. But then after we got up and going, he called to see how things were going a few times in the beginning but then it was pretty much self-maintenance. It was pretty easy. They were able to lower my interest rates. We finished the program a couple of months ago. So we’re a lot further ahead now than we were.

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    Reviewed Oct. 18, 2013

    I first heard about Cambridge Credit on a Christian radio. I didn’t seek any assistance from my bank or any other institution before I contacted them. I was able to interact with my certified credit counselor whenever I needed to and they were able to lower my interest rate. They really helped with being able to pay off my credit cards. I am happy with it.

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    Reviewed Oct. 18, 2013

    Cambridge got me out of debt very quickly. Once in a while I would get an email to see how things were going, if I managed to save money and had I cut back on spending, etc., and the response was wonderful. Excellent service! I don’t ever want a credit card again. My past life went a long way toward helping me get in that situation. I just think credit cards are a bad thing. I watch what I spend and I’ve managed to save money and I guess under the circumstances, it’s good considering what this government is doing. But it helped me a lot. It changed my way of thinking on a lot of things. I would recommend Cambridge to anybody.

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    Reviewed Oct. 16, 2013

    I did try to lower my credit and my interest rate on my credit cards before by seeking assistance from other institutions, and some of them were able to help but the bottom line actually is that we wanted to get one place to pay. Actually my wife was the one that made the move and we were with Cambridge Credit for 5 months. I think I was almost $40,000 in debt. So now I’m finished and I was able to eliminate that. They were able to bring down the interest rates on cards we weren’t able to and whenever I needed I called them or emailed them and I was able to interact with them easily.

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    Reviewed Oct. 15, 2013

    My experience with Cambridge Credit Counseling was good. It was painless. I would recommend them.

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    Reviewed Oct. 14, 2013

    I was going through a divorce so I took all the credit card debts and everything like that so I could get the house and stuff like that. I took all the debt and she walked away with nothing. The interactions with the Cambridge team were always positive. I forgot the lady’s name that I first talked to but she actually just called me up after five years to say I’d paid everything off. So she was still there. It was a good experience. They got all the interest rates and all the fees, everything waived, and they used to just take the money right out of my account every month until I paid it off. I always tell everybody about them and how I did it.

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    Reviewed Oct. 13, 2013

    My brother told me about Cambridge Credit. They were able to lower my interest rate. I was having problems, definitely. The team at Cambridge was excellent. The young lady who got me started, I couldn’t even afford to pay them their whole fee every month and she lowered that to a point where I could pay it in order for me to get into the program. There were a couple of times that I asked them to move the date out because of what day I got paid on. They were always willing to do that. A couple of times even, I asked them not to pay it because of like the holidays or something like that and I really needed the extra money. They worked with me on that, and they paid it off earlier than I expected. Working with them made a big difference. They did an excellent job.

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    Reviewed Oct. 13, 2013

    I have no complaints with my experience with Cambridge Credit Counseling. Everything was fine. I give them a 5.

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    Reviewed Oct. 12, 2013

    Cambridge Credit was able to lower my interest rate. Their team was easy to work with and contact. I think it was wonderful. I didn’t call often with a question but if I did, they were helpful to answer it. It was good.

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    Reviewed Oct. 10, 2013

    I got out of debt but I just don’t feel like Cambridge helped that much. What they did was get some of the percentages down but not that much. And I don’t know if I would have talked to the credit card companies, maybe I could have actually done that. We need to be paying them $30 to $40 a month every month to be helping me. And then when I paid it off, they paid them too much. They didn’t even pay them the right amount and I had to make all kinds of phone calls to get my money back. One account was $105 over what I needed to pay, so I had to call to get my money back. Because I try not to use credit cards anymore, so there was no use leaving the money on the credit card. They were helpful at a bad time but I guess I expected more.

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    Reviewed Oct. 10, 2013

    I went through a divorce and just so that I could get rid of the jerk and have him hurry up and sign the paperwork. Even from jail, they would still entertain his thoughts and ideas of trying to take half of everything I have. So I checked all the credit debt and everything like that and I was trying to make the payments. I couldn’t. I started talking to a lot of friends of mine. They’ve tried all those other places and they had really bad experiences. Sometimes in one month, they would double dip, and I kept asking, “Are you sure it’s not because of the 28-day period or something?” And I just heard a lot of horror stories. I was a little reluctant but I tried Cambridge because nobody else had heard of them or talked to them. I noticed that they were Better Business accredited so I figured I’d give them a try.

    I was able to reach my credit counselor anytime I needed to. And if she wasn’t there, I had her direct dial number and her dial number with the extension. She gave me her business card if she wasn’t there. I could call the number where you can get somebody in customer accounts or something like that and anybody would be able to look into your account, answer questions for you.

    I’m all done. Everything has been taken care of. This month was the final month. Since ’09 until now, they’ve been phenomenal for me. Just set up a separate checking account, let them take the electronic withdrawals. Never had an issue. They always took them on the 15th. If it wasn’t the 15th, then it would be the following business day. They were fantastic! They let me know when one of the creditors was going to be paid off, the final payment and how much it was, and what do I want to do. I said, “Well, let’s just keep taking the same amount out and just divide it however you want to with the remaining creditors.” And that’s how we did it all the way down the line.

    I have recommended them to many people. They either have joined up or they’re still looking around just because they don’t know anybody who’s had bad experiences elsewhere. So they’re taking the information. But I know they’re going to go back and they’re going to settle with Cambridge because they really were phenomenal.

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    Reviewed Oct. 9, 2013

    I called a couple of my credit cards, threatened them (lol), to see if they would lower my interest rate. It didn’t do no good. It takes a long time to pay off the credit cards. It seems like it never would end. In my research I found out what these other places are doing they were just stopping now your payments that they wouldn’t have any choice but to negotiate. Anyway they ruin your credit. That's why I called Cambridge. I really didn't have much interaction with them at all. There is that one guy I talked to when I signed up for it. I asked him questions, some of the questions that bothered me or I just didn't know and most people don't. They called me one time since I got it paid off and asked me if I had any more credit that I’d like to take care. I do have a second lien note on a house. I’d like to see if I could get help with it at all.

    I was happy with Cambridge. They were able to lower my interest rate, but not as much as they have my son-in-law though. They lowered his. They had 1 card they took zero. I recommended Cambridge the whole time I was using them.

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    Reviewed Oct. 7, 2013

    I had been in the hospital. There was somebody in there - I don't know if it was the woman I talked to about my finances (because I had a pretty good hospital bill) that told me about Cambridge. I was pretty depressed because I don't have that much income. I just didn't know how I was going to manage everything. I didn't have ten thousand. I wasn’t in debt that much but it just seems like what I had was overwhelming. I went straight to them. The people at Cambridge have been wonderful. They’re really helpful. They’re easy to work with. Things are a lot better now. I would recommend them

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    Reviewed Oct. 6, 2013

    I just wanted to get the debt taken care of. Cambridge was able to lower my interest rate. Interaction with the team at Cambridge was all good. I had a pretty good experience with them. So far, it’s pretty good, I’m done with them. It’s all tied up now.

    I would say my experience with the company itself would be a 5. I would not recommend using a company like that again to somebody else only because I don’t know that the actual credit company has completely agreed with everything that was set up. I mean my contract with Cambridge was signed. They came through on everything they said they were going do but I don’t know for my personal credit if it was actually worth it or not.

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    Reviewed Oct. 6, 2013

    I think it was 3 or 4 years ago. At one point my finances were in really bad shape so I was shopping around to see who could help and one attorney that I talked to recommended that I go bankrupt. I didn’t want to go bankrupt but he did say that there were other credit counseling places and he gave me two or three names and one of them was Cambridge Credit Counseling and so that’s how I’ve heard about it. I heard it from a bankruptcy attorney.

    I was feeling very unhappy because most of my problems came from a relative who had a drug problem. Nobody in the family warned me about his act, that he was in fact a con man. He was a nice young man apparently friendly, cheerful, kind, all the rest of it but he also had a problem with drugs and you see I’m one of these gullible people. I believe everybody is telling me the truth. If somebody cheats me once usually I’m cautious but I was in a very susceptible situation because my husband had just died. You see that was one of the reasons that I was in financial difficulty because he had been ill for five years. He had Lou Gehrig’s disease. I had purchased some hospital things. I didn’t know that I could probably get a loan from the ALS people but I bought a bed and I bought a life. I had a chair lift to go up the stairs and so forth and so on and I overextended myself and got in those situations where I had more debt than I had income because my husband’s social security, when he died, just went away so therefore my income was cut and even though I have a pension and I have social security, I also didn’t have very much.

    I have very good credit. I could buy almost anything that I wanted to. I have $30,000 worth of credit available for me on my credit card. Besides, being very much in debt, I was very much in grief. I was deep in mourning.

    The people at Cambridge were very, very helpful and they knew that I had these three credit cards that were huge and they cancelled all the credit cards and they arranged for payment schedule that I could do because as I say I have a pension and I also have social security so therefore the $15,066 allowed me enough money to live and do the things that I have to, pay my condo fee and my taxes and my insurances and all of those things. But I couldn’t do the other things. They took up all of my situations in consideration and made sure of the amount of money that I could spend each month. They thought of everything.

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    Reviewed Oct. 5, 2013

    I believe I first heard about Cambridge Credit Counseling online. I went straight to them. I was actually trying to find some hope. The interaction with them was fine. Everybody was good. If I couldn’t make my payment or something, they would work with me. I believe they were able to lower my interest rate. Now that I’m all paid off, I don’t pay them anymore. They were easy to work with.

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    Reviewed Oct. 5, 2013

    We had a bad experience with a credit company that we tried. It was sort of the same thing that we did with Cambridge. They were not reliable, I guess, and went down to business and took our money and they didn’t give it back. We got stuck with a lot but then we heard about Cambridge and it was working out well. I think it was the brother-in-law that was using them. I was depressed before contacting them.

    I think Cambridge people were easy to contact. I think they were able to lower the interest rate. The interest was getting totally out of hand. We were able to pay off a huge debt that we didn’t know we were going to ever do it and so they set it up. We’re on a limited income. We take care of handicapped adults and there’s not really any way for us to increase our income. So we thought we were just stuck and they made it manageable that we were able to make the payment every month and able to pay it off. We paid it off early somehow. We thought it was going to be January and here they sent us a check which means you’re done. It just took the stress off a lot.

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    Reviewed Oct. 5, 2013

    I don’t remember how I heard about Cambridge Credit Counseling. It was so long ago. I just didn’t know what to expect from them but they’ve been wonderful for me. They were able to lower my interest rate. It was easy to contact them. Working with them helped us get our house. They have really helped us.

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    Reviewed Oct. 4, 2013

    I first heard about Cambridge Credit online. I was overwhelmed. I focused on lowering the interest across the board. I didn’t really have a lot of interaction with them because we did have the money to cover it monthly. But when I needed to talk to them, they were just very accommodating and helpful. It was fine and they were always willing to be there. They always checked in through an email, an occasional call to see how things are. They definitely reached out to me, but I didn’t really need the assistance. They helped me and it worked out pretty well. I would recommend them.

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    Reviewed Oct. 2, 2013

    It was a very pleasant, hassle-free experience working with Cambridge. They were able to lower my interest rate. They were good all the way around. The credit card company just started jacking up interest rates for nothing and I got rid of them. I got rid of a bunch of credit cards. It worked out pretty good. They’re highly-recommended.

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    Reviewed Sept. 29, 2013

    It was all dark with my finances. I was feeling there was no way out, so I have attempted to get assistance from my mortgage company. It absolutely did not work out. Then I learned about Cambridge through a friend of mine. That’s when I went to Cambridge.

    The team at Cambridge were very accessible. They did a wonderful job. They allowed me to survive. It’s given me so much more freedom and reduced a lot of my worries. It was fabulous working with Cambridge.

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    Reviewed Sept. 27, 2013

    Cambridge Credit Counseling was very helpful and beneficial to me. They able to lower my interest rate. My program was in four or five years. I can’t really remember where I first heard about them. It might have been on TV. I did not seek assistance from my bank or any other institution before I contacted them and I was going through a state of depression because I had a lot of health issues. I still have a lot of health issues, but without the debt on my back, it’s keeping my stress level low. Plus, I’m able to talk to the credit counselor anytime I needed to.

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    Reviewed Sept. 26, 2013

    Cambridge did an excellent job! They consolidated everything and I’ve got all my credit cards paid off and I feel pretty good about that. I was kind of against it to begin with, but my wife said “Nah, we’re going to consolidate them.” It was real expensive. It was hard. I was paying $1,347.00 every month, and that was for years. But it’s all paid off now, so I feel good about that. I can’t stress enough what an excellent job Cambridge did for us.

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    Reviewed Sept. 24, 2013

    Initially, I saw an ad about Cambridge Credit on the television. I was at the point I knew I needed to do something about my financial situation. And then, the commercial came up, so that’s when I called them. They were able to lower my interest rate. Everything went very well. Excellent communication. I was assigned a counselor and he worked with me a few times. At the times that I needed to contact them, I had questions about could I have a copy of what was paid or what had been paid up to date, they’d send it to me. I did not have one problem.

    Working with Cambridge has turned around my financial situation. I did complete the program. It took about nearly three years for me to complete the program I did but it really worked well for me. I have recommended Cambridge to a friend who did enter the program. I’m very satisfied with them.

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    Reviewed Sept. 24, 2013

    My daughter found Cambridge online. Working with them was great - always there, always answering my questions. They were easy to contact and I was able to talk to them whenever I needed to. Cambridge was able to lower my interest rate. I’m now out of debt and it’s been great. I can say that they were very professional and they accomplished what my goal was.

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    Reviewed Sept. 23, 2013

    Working with Cambridge was worth it. I highly recommend using them.

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    Reviewed Sept. 21, 2013

    I was a little bit anxious about not being able to meet my payments and not being able to finish paying. I tried contacting the credit cards to reduce the interest rate but nothing happened. Cambridge was the only other company I tried and it was excellent working with them. I was able to finish paying off my debt and I didn’t even notice when it was going to end. It worked with them. I had a peace of mind.

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    Reviewed Sept. 19, 2013

    Cambridge has an excellent program. I was very stressed prior to contacting them, and now their program taught me, for one, to never get myself in that situation again. I went online and used a lot of their budgets. They had a lot of different spreadsheets and stuff like that to use for budgeting and they taught you how to budget your money. It just worked out good for me. They were able to lower my interest rate and arrange a payment plan of five years.

    My credit counselor was very helpful, always got back with me if I needed to speak to her at the time. She was excellent. I would highly recommend it to anyone, and you don’t necessarily have to be in a financial bind either.

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    Reviewed Sept. 18, 2013

    I first heard about Cambridge Credit on an AM radio station. It was everything that it was advertised. And the reason that I chose them is the person that I was listening to on the AM radio, I trusted them, and they referred, they’ve mentioned that there was a non-profit. And I know that there are a lot of places out there that call themselves debt consolidation and the thing is that they’re really scams.

    I just went straight to them. I didn’t seek any assistance from my bank or any other institution before contacting them. I knew that something needed to change. So there was a little desperation. All of my interest rates skyrocketed and I knew that I couldn’t keep making the payments that I had. They were able to lower my interest rate. My interactions with them were smooth. I never really had to contact them for much. Every once in a while I would pay off a credit card away and I’d have to contact them to stop paying them on that, let them know that was done. But other than that, it was pretty much cruise control for the whole process.

    Working with Cambridge has gotten us in a better financial situation. And so, I would definitely recommend them to anybody that needed them and let them know that they’re completely legit.

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    Reviewed Sept. 16, 2013

    Before I called Cambridge, I didn’t seek any assistance from my bank or any other institution. I just went straight to them. I was feeling pretty overwhelmed at that time. The time period for my program was about 2 and a half years. My interaction with my certified credit counselor was good. He was very helpful. I was able to contact them whenever I needed to. Working with them has helped me drastically. I’m not under stress anymore, it was a big relief. It helped me a lot because it reduced interest rate on my credit card so I can get them paid off. Otherwise, I would never have gotten them paid off. Now, it’s a huge relief!

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    Reviewed Sept. 15, 2013

    My friend and coworker had told me about Cambridge Credit Counseling. I was kinda worried to see if it was going to go work or not but once I talked to a counselor then I was sold. I’m glad I did it! They were able to lower my interest rate and I paid it off and everything. It took me 2 years. They were easy to get in contact with and I could interact with my counselor when I needed to. That was a good choice I made.

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    Reviewed Sept. 15, 2013

    I think it was through the website that I first found out about Cambridge Credit. I went straight to them. I was stressed out because I have several credit card debts. They were able to negotiate with the credit card companies, I think just about all of them, to lower the rates. I believe the program is for five years. They were easy to contact and I could interact with them as often as I needed.

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    Reviewed Sept. 15, 2013

    It was quite a few years ago that we first heard about Cambridge. We had gone through it once before. And it was actually in a magazine at some point. Somehow we came across it. Between my wife and me, we were hopeful that they were going to take care of some stuff. They did. With a couple of credit cards that we had, they were able to lower the interest rates. But there was one that was kind of a stickler and they didn’t participate. But for the most part, they really helped us out. If anybody needed help like that, I would definitely recommend them. It was a very refreshing experience. It was nice to be able to get some stuff paid off and have them help us put some interest rates down and it’s just pretty helpful.

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    Reviewed Sept. 15, 2013

    I was feeling very low before I contacted them. Well, it got me back on track. They were able to lower the interest rate. I got all my bills paid and we just paid it off. I’m feeling great. The experience with Cambridge was great. Go to them. They can help you. They will help you.

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    Reviewed Sept. 14, 2013

    I first heard about Cambridge Credit Counseling on the radio. I listened to a man who was talking about it. We had this overwhelming amount of credit cards. We were just overwhelmed. That’s just kind of what made me to finally call. They were able to lower my interest rates. They were easy to contact. So far, it’s been pretty good. In general, we have our bills already paid off and the lower interest rate and everything is a lot better. They were just always there. Every time I called and needed, if I had a question, there was always somebody there that I could speak to that knew the answer. They were just all the way around helpful.

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    Reviewed Sept. 14, 2013

    A lot of pressure had just built up because I didn’t know how to take care of everything. I think they actually got all of the interest rates down pretty good. Working with them got me out of debt and made things a lot easier for me and I’m just happy that I went through with it and got it done. The program was completed a little bit over four years. At first, I was unsure about things and I’m just really glad I went through it.

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    Reviewed Sept. 14, 2013

    Cambridge Credit was able to lower my interest rates. Well, I got it all paid off and it made me feel a lot better. I appreciated their help. I would definitely recommend it. However, there were a couple of little things that bothered me. When the recording first comes on the phone, I think the girl that recorded it had a lisp or something. It always bothered me so I cover up the phone during that part. And then there was one representative that was just way too talkative and kept using my name over and over and over again and it was as if she thought I like telephones and I don’t. So I never called anybody. Now they have it so that they automatically withdraw the payments from your bank so it can’t be later forgotten. And I think that’s good.

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    Reviewed Sept. 14, 2013

    I believe I first heard of Cambridge Credit Counseling just through emails. Before I called them, I felt buried. Then on every card, they got the interest rate lowered. There were a couple of cards that they just won’t lower and that part I totally understood, like Home Depot or whatever. Well, they did get it down some but not that much. I could contact them anytime I needed to. The experience was very relieving, very smooth and very easy.

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    Reviewed Sept. 13, 2013

    I first heard about Cambridge Credit over the radio and so I got in touch with them. Cambridge was able to lower my interest rate. I had some credit cards paid off and they eased my mind considerably. I’d say all went very well. It was what I had hoped for.

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    Reviewed Sept. 12, 2013

    A co-worker told me about Cambridge Credit Counseling. I sought their assistance to lower my interest rate, and they were able to do so. They have helped me pay off my debt in 5 years. The team was easy to interact with and contact when I needed to. My experience with them was good.

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    Reviewed Sept. 11, 2013

    I tried to lower my interest rate and sought the assistance of my bank. It was upsetting and disappointing as they were unable to help me. And then I called a couple of places and Cambridge Credit Counseling was the one that just intrigued me the most. It turned out that they were easy to contact and I was able to interact with the credit counselor anytime I needed to. Cambridge has just helped me to find answers in order to get me back on track and helped me fix my credit up. Overall, they’re very helpful and very empathetic of my situation at the time, and they worked with me and with the creditors. I’d definitely recommend Cambridge Credit Counseling.

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    Reviewed Sept. 11, 2013

    My sister told me about Cambridge Credit. I’ve heard so many good things about them from her and she had already been in the program for a few months. Working with them has been great. It was easy to talk to them. The time difference is a little bit hard but I was able to work around the time. They were able to lower my interest rate and I was able to get back on my feet. They were a great help! Overall, it was a great experience and Cambridge was very helpful. I have already recommended them.

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    Reviewed Sept. 10, 2013

    I believe it was on TV, a kind of a talk show and they were talking specifically about debt management, and Cambridge Credit Counseling came up. It was a show for Oprah or something like that or The View. Then it’s like pretty legit so I went online and found them and went on from there. I was paying on a credit card that aren’t getting paid down, paying every month and never seeing it go anywhere, and you know you’re paying a lot of interest on. And my credit was actually pretty good. My credit score now is great, but even then it was good. And so, it doesn’t seem right to be paying 20% interest when you have a good credit. There was just this overall frustration.

    Cambridge was great to deal with. As far as I understood, they took the credit card. They worked out something with the credit company because they were going to be paying them off. And then, they set up the account. I think I had two, four cards that I consolidated. My monthly payment was lower, and I knew that it was getting paid and being paid off, since after all, I was concerned about the bill. I think they said they got them lowered as well as the overall bill reduced because they worked with the company. And again, I like them too because they didn’t call me weekly or monthly and if they want to give me information, I don’t want to talk to somebody every month. I don’t want to talk to somebody every week. As long as they were paying the bills, I don’t need updates. The stuff I needed paid off is done. It was hassle-free and rewarding that it got done. It was easy!

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    Reviewed Sept. 8, 2013

    I first heard about Cambridge Credit Counseling on TV, on Oprah the show. I was pretty overwhelmed and frustrated in debt. I didn’t seek assistance from the bank or other institution. Cambridge is great. They were just really good. They were able to lower my interest rate. Now, I’m out of debt. I’m debt-free! They did it in half the time it was written for. I think it’s about a year and a half. The experience was excellent.

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    Reviewed Sept. 6, 2013

    I first heard about Cambridge Credit Counseling on the news and that was years ago. I’ve dealt with them before. At first, I was kind of skeptical but after I did, they were very polite and walked me through what I’m supposed to do and whatever. I was satisfied with it. The team was easy to contact and they were very helpful. They were able to lower my interest rates. Working with them has affected my life very good. I’d recommend them.

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    Reviewed Sept. 3, 2013

    I first heard of Cambridge Credit Counseling over the radio. There was a fellow and I think he has interest in the company. I did seek their assistance but not for credit counseling. I just need to pay my bills. I just basically utilized them for just paying my bills. It was worth it to me to pay them $30 and just have them pay, make one payment and they were able to lower my interest. Working with Cambridge has been a great experience. But sometimes, it has an effect on your credit rating, I think. But I haven’t had any problem with that. So far, I don’t have any bills.

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    Reviewed Sept. 2, 2013

    We saw Cambridge Credit Counseling maybe on TV, CNN or somebody. I’m not sure. My wife was the one that originally saw that. This was about four years ago, I guess. We were kind of in some financial trouble with credit cards, so we got in touch with them. We called a few of the credit card companies and tried to get some reduction on the interest and things and didn’t have much luck. We had really just let things get out of hand. We were making all of our payments but we weren’t getting anywhere. I think we were at $29,000 credit card debt or something like that. We went on their program and it worked out great. We just paid everything off this past month.

    My credit counselor was easy to contact and I was able to get in touch with them whenever I needed them. They were also able to lower my interest rate. Working with Cambridge has been great. Now, we are almost out of debt. We are out of debt of all credit cards. Of course, we own our house now and then I got one car. Other than that, we’re in pretty good shape. It feels pretty liberating. It was great. We probably never would have gotten out of debt if not for Cambridge Credit Counseling.

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    Reviewed Aug. 31, 2013

    My husband actually was watching TV and a guy was on there and he was talking about Cambridge. He wasn’t advertising or anything. It just came up in the conversation. He said that was the best thing. So we decided to call. I did go to other debt management program and was told that I didn’t make enough money to qualify for their program. I was ready to jump off a cliff because I was getting 28 to 30 calls a day, every day, seven days a week. They didn’t care what time it was, and I work at night. It was driving us crazy. They’d ring, we would answer, they’d hung up. But they didn’t want to work with you. It was really stressful.

    Cambridge has absolutely lowered my interest rate. When I started with Cambridge, I was $32,000 in debt with credit cards. And I’m done. It took me four years. Working with Cambridge has been awesome. I am credit card debt free. I’d recommend Cambridge to everybody that has problems with credit cards and creditors that don’t want to work with them. They’re awesome. Best thing that has ever happened to me and my husband!

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    Reviewed Aug. 29, 2013

    Great experience. It was good. It was a great experience with Cambridge Credit Counseling.

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    Reviewed Aug. 27, 2013

    Cambridge helped me get out of debt. They made my debts manageable. They’d just been very helpful.

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    Reviewed Aug. 26, 2013

    My wife found out about Cambridge Credit Counseling. Probably online. We did not seek assistance from our bank or any other institution before contacting Cambridge. We thought that was a good plan. We were feeling desperate before we contacted them.

    Cambridge was able to lower our interest rate, very dramatically. And we were able to get in touch with them anytime we needed to. Working with Cambridge got a bunch of credit cards paid off that I wouldn’t have gotten paid off. I recommended them to my sister already and she’s already with their program. She’s been with them about a year. It’s great. It works!

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    Reviewed Aug. 25, 2013

    I think I first heard of Cambridge through a coworker a few years ago. I was feeling overwhelmed so I just went straight to Cambridge without contacting my bank first. My credit counselor was easy to contact. But then there was really no need to communicate.

    I just recently completed the process. Working with them has helped me on a lot of bills and took a lot of stress and probably saved me a lot of money. So it has affected my life in a very positive way. I guess I would say that they made the process very easy. They didn’t make me feel like trash. They just made me very comfortable, explained that process. It was probably the best step I took. And like I said, they just made me feel very comfortable throughout the whole thing.

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    Reviewed Aug. 22, 2013

    I did receive notice from my credit card that they were increasing my interest rate and they were jacking it really high. I have three credit cards. One of them was going to be like over $500 a month. So I called Cambridge and they got it all figured out. It was amazing! It was awesome! I didn’t even talk to my bank. It happened like within a day. They lowered the interest rate. One interest rate was like 29%. They lowered all three of my cards to, I believe, 9%.

    It’s amazing how Cambridge has affected my life. It’s so good to be that free. It’s really a good feeling! And I actually paid it off early. Just because I was able to view that financially I needed help and be able to pay it off just a little bit early which was awesome, too. So a very GREAT company. I really like them. SUPER helpful. I will absolutely recommend them to a friend.

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    Reviewed Aug. 21, 2013

    Well, at that time, I owed a lot of money. I used to be a millionaire then when things sort of been turned down and I ended up in a big mess. So I paid off a whole lot of bills over the phone. In other words, I made a deal with them. And I paid them off. Then I had a few straggling bills I didn’t know that came in later. And by that time, I didn’t have the income that I used to. I contacted Cambridge, told them my situation, and they went from there, did a wonderful job, and they just took out everyone, whatever I told them to, and that was it. They cut the bill down a bit and lowered the interest rate. They did a wonderful job. Now, I finally paid everybody off.

    Cambridge helped me through that terrible last couple of years. Because I thought I had everything paid off. I owed hundreds of thousands to the tax man. I owed credit cards, $80,000 on one, $70,000 on another. What I did, I got legally separated and I just run amok with all the money I had and blew it. It was fun but that’s it.

    There wasn’t much to the experience, so to speak. We just talked and then they said, “We’ll take care of this much every month.” And I said, “Okay. Good.” They followed through. They would send me faxes. Then I talked to the lady a couple of times near the end and she said, “Yeah. We’ll just send you a confirmation.” All in all, it was a great deal!

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    Reviewed Aug. 21, 2013

    I was feeling terrible because my interest rates were going sky high. So I called Cambridge and they really relieved all my problems. They were able to lower my interest rate. I never found it necessary to interact with my credit counselor because it was done systematically. So I had no problem. Working with Cambridge has affected my life in a very good way. They were excellent. Everything was right, the perfect date, and also the way that I got the statements. They were all in detail and accurate. So I was very pleased.

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    Reviewed Aug. 20, 2013

    The customer service is excellent, my stress level is reduced tremendously. Only thing I wish is that my original paperwork was in my online account. I only see my monthly statements.

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    Reviewed Aug. 20, 2013

    I first heard about Cambridge when I saw it on a talk show. All I did was call the number that they had given me on the talk show and got a hold of somebody and it was set up. There was nothing out of the way, no extra help. They just set it up. That’s all.

    They were not able to lower my interest rate. And I was really surprised by that. We didn’t have a lot of interaction. We just set it up so that they took the money out of our checking account every month where we see the statement from them and from our two creditors, and that was all. Once in a while, we’d get something on the internet and that was it. So there wasn’t really a lot of interaction. Overall, my experience with Cambridge Credit was okay.

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    Reviewed Aug. 19, 2013

    I tried to get help from my bank before contacting Cambridge, but they were not helpful. Cambridge Credit was able to lower my interest rate and I was able to interact with my certified credit counselor as often as I needed to. Working with them has taught me that I’m not getting tricked. They don’t charge anymore. They are a fantastic outfit!

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    Reviewed Aug. 17, 2013

    I actually heard it on television, maybe Fox News or someone talking about credit problems and he mentioned Cambridge Credit Counseling as being one of the companies that he recommended. I did not seek assistance from my bank since I heard him say that they were the wreck of all companies.

    The credit counselors at Cambridge Credit Counseling were very helpful. They were able to lower the interest rate on a couple, and a couple they actually did away with the interest rate. Working with them has saved my life. Three and a half years ago, I was in serious financial problems and now I’m in good shape. They were GREAT! We’re satisfied and everything went well :)

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    Reviewed Aug. 16, 2013

    One of the paperwork I saw, they did a really good job. They negotiated interest rates on most of the cards very well. Then once I took over, I had no trouble dealing with Cambridge. They had a very good online system. Their 800 number to people, I had no problem getting somebody to answer. I actually added a couple more cards off the plan. So they were very organized and excellent to deal with. I think, overall, they did a really good job!

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    Reviewed Aug. 15, 2013

    I heard about Cambridge Credit Counseling on the radio, 850 KOA in Denver. Before contacting them, I did it on my own because I knew I was in a bind so I had to do something to fix my situation. It was a good program and I tried for many times working with my credit card companies and stuff and they wouldn’t work with me at all. They wanted me to go default and with me being in the military, I can’t go on default and I can’t file papers because then I’d lose my security clearance. Then I’d lose my job. They were able to lower interest rates. All my credit cards got lowered to 9% or lower. I completed the program. July was my last month. I got rid of $60,000 in credit card debt. It was a great program. It was honest and it didn’t affect my credit so much compared to some of these other credit companies doing so.

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    Reviewed Aug. 12, 2013

    My son heard about Cambridge Credit Counseling on a radio thing a few years ago. I didn't seek assistance from my bank or a different institution before contacting them. While I was working with Cambridge Credit, I was able to get in contact with them whenever I needed to. They were able to lower the interest rate and we're done paying our debt. It was good in a way.

    We just got through with paying our debt in a little over four years, which I’m glad to be rid of. I’m not going to get back in that situation again. But it was good. If anybody’s gathered a lot of credit card debt, a lot of debt, get hold of Cambridge.

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    Reviewed Aug. 11, 2013

    It was a long, long time ago and I think it was on television from an advertisement that I first heard about Cambridge Credit Counseling. They helped me a few times. And the first time, I had quite a few credit cards and they finally got me out of that. And I had two more and the interest kept going up. So I decided I needed to cancel those and they helped me a second time. I’ve never had a problem with them, and they’ve always been so kind and polite. They were able to lower my interest rate. I’m out of debt. I’m free.

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    Reviewed Aug. 9, 2013

    I was just looking on the web for counseling services and Cambridge was like the first thing that popped up. I used their service and was finally able to pay my interest off. I really never intended to go with a debt. And I know my debt’s a lot less than a lot of people but for me, just to be able to finally pay it down was enough.

    It started out as a stopgap to get a car fixed. But I had like $150 balance before the interest hit. Then after it hit, it just ballooned from there, but then I got trouble with it. I never used the card but once and it got wrong, I guess. I finally paid the card off and the card has been gone for about five years. The only issue I’ve ever had was one time when I was supposed to track some information and the fax was never accepted.

    I found out credit counseling affected your credit and I didn’t know that. I would suggest somebody using credit counseling if they just can’t get out from under something, but I think it would be a last resort for me now. Because I tried to get just a no interest consolidation loan for the credit card and I got turned down. I got turned down for another loan too because they saw that on my account. I thought, “Okay, that’s somebody who’s trying to pay off the credit. That could be a good thing.” It wasn’t the service itself but what it does to your credit that I would caution someone.

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    Reviewed Aug. 8, 2013

    I was probably going through a Google search looking for like a debt repayment program because I was not interested in doing a program where they just wipe away your debt and ruin your credit score when I stumbled upon Cambridge. I wanted to be able to take my debt out. Then when I saw that they were Better Business Bureau recommended, I did a little further research. But it seems like they’re a good pick, and they were. They lowered my interest rate and that was the number one thing that actually helped me chip away at everything. It was wonderful to be able to see that progress. Honestly, this experience was empowering. Just the burden that it lifted off was incredible!

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    Reviewed Aug. 8, 2013

    Cambridge is just really efficient, took all of the workload off of me, managed real simple and easy, and there for questions as I needed. Highly recommend them.

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    Reviewed Aug. 5, 2013

    I think it was on a talk radio show when I heard about Cambridge Credit Counseling. I just considered the source and went with it. I had no problem with them at all. The graciousness of the initial counseling by a person named Dan and walking me through what I needed to do and how he took care of it, nothing but perfection. They got to lower my interest rate, I paid off that debt and I just finished paying it off early. They got me out of a financial quandary that I had gotten myself into and I rethought my life. I’m quite pleased with them.

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    Reviewed Aug. 5, 2013

    Cambridge actually stopped the interest on most of my credit cards. I’ve seen them on the internet and got in touch with them. It was a good experience. I can talk with my counselor whenever I need him. It just helped get rid of that unnecessary debt. I’ve already recommended them to a couple of different people.

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    Reviewed Aug. 2, 2013

    I heard about Cambridge through Good Housekeeping. We didn’t ask the assistance of the bank although boy, we were in big trouble! Cambridge was good and they were lifesavers. They were able to lower my interest rate. You just had to pay a certain amount and then they forgave the rest. They were always easy to connect to. All I had to do was call. Yes, I’m done now. Finished. Totally done!!!

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    Reviewed July 31, 2013

    I was just doing an internet search for a non-profit credit counseling company then we found Cambridge Credit Counseling. I knew we needed to do something to get everything in control. Whenever we needed something, we were able to get a hold of our credit counselor; mostly it’s just like email though. I didn’t really have any questions once we got on the program and just started going, and didn’t really have the need to other than every now and again when I wanted to know things, either an update of the account or something. They were also able to lower our interest rate, so we’re paid off now. It was good to have everything consolidated and just have one place to pay and everything taken care of.

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    Reviewed July 29, 2013

    My wife and I did an internet search and the Better Business Bureau came up with Cambridge Credit. This was after Allegro went bankrupt on us on about $2,600. We felt cheated, robbed, taken advantage of, and desperate. Tina ** - anytime I needed something, I just called. If she wasn’t available, I left a voicemail and she called within 24 hours. They took phenomenal care of us.

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    Reviewed July 29, 2013

    I had a college debt on a couple of credit cards and I just wanted to consolidate it and have it out of sight and out of mind. If I could get one place that I could consolidate that debt and have them electronically take it every month so I wouldn’t miss it, I knew that would work and that could happen. I didn’t want to go through the credit card companies because at that time, it was like in 2008, the credit card companies were stating to raise their rates because of the recession. That was my main motivation to get out before that started to happen. Then I learned about Cambridge Credit Counseling on the television - I think it was on The View. The guy on the show mentioned that they can help negotiate lower interest rate.

    There was one or two times when I was calling a guy but they’re not available by phone on evenings or weekend. I had a little extra money and wanted to make an extra payment. I was, however, always able to leave a message and they got back to me. And it would have been nice if they showed a balance that would help me formulate a plan, like how to balance a thousand dollars if I had a thousand dollars to plan and pay one off. I used to call and then they would call the credit card company and then call me back. I know that a formula has to work that way because there’s a daily formula. However, that was just a little and I wish it was different.

    So far, Cambridge has made it a lot easier to get that college debt paid off without me having to stress over it. I guess that’s the thing, it was stress reduction. I didn’t have to think about it. I knew it was the same payment no matter what. Even when I had a couple of little cards that was paid off in the beginning, they still continued to deduct the same amount every month which paid off the other cards, so I was never surprised. I could always pre-calculate my monthly expenses. Knowing that was a steady number, I was really de-stressed with my finances.

    I would definitely recommend people to them. They’re pleasant to work with. They were dependable. There was never anything that went awry. There were never reasons to have to call them and ask questions about my account. It all went very smoothly and they did negotiate for a lower rate. At one time, I wanted to pay off what I thought was a lower balance. One of the credit counselors said that I was paying a higher interest rate and if I had extra money, I might want to try to pay it towards that. That was good information and I was able to look at it in that respect. I’m very happy with Cambridge Credit Counseling!

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    Cambridge Credit Counseling Corp. Company Information

    Company Name:
    Cambridge Credit Counseling Corp.
    Year Founded:
    1996
    Address:
    67 Hunt Street
    City:
    Agawam
    State/Province:
    MA
    Postal Code:
    01001
    Country:
    United States
    Website:
    www.cambridge-credit.org