Cambridge Credit Counseling Corp.

Cambridge Credit Counseling Corp. Reviews

67 Hunt Street Agawam, MA

Cambridge Credit Counseling Corp. Reviews
4.9(2,660)
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Overall Rating4.9 out of 5
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About Cambridge Credit Counseling Corp. Reviews

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 & Cons

Pros

  • Free credit counseling
  • Extensive educational resources
  • Member of NFCC and FCAA

Cons

  • Fees vary by state
  • Can take up to 50 months to get debt-free

Bottom Line

Cambridge offers a free budget and debt analysis, making it a good choice for those overwhelmed with debt and not knowing where to start. Monthly fees for the debt management plan are $50 or less, depending on where you live. It can take up to 50 months to become debt-free.

Cambridge Credit Counseling Corp. Reviews

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Page 2 Reviews 5 - 35
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Reviewed Oct. 21, 2022

The people I worked with were excellent. I'm finished with the program and I am at ease a whole lot. Cambridge is an excellent program and service.

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Response from Cambridge Credit Counseling Corp.

Congratulations Corally!

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Customer ServiceOnline & AppStaff

Reviewed Oct. 8, 2022

Everybody I talked to got me through who I needed to be with and took care of business. I'm glad to be where I'm at. Everything from start to finish was about three years. They did pretty well for me and got the pressure off of me a little bit.

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Response from Cambridge Credit Counseling Corp.

Glad we could help Calvin! Thanks for the nice review!

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Reviewed Oct. 7, 2022

The service with Cambridge was really good. Anytime I had a question, I could call and ask. I always got a good answer. The program itself is a lifesaver as far as I'm concerned because the money is automatically taken out of my banking account every month. So, I didn't have to worry about making mistakes, and, to me, it went fairly fast. We have completed the program. Everything was pretty convenient for me. I would tell others to use Cambridge.

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Response from Cambridge Credit Counseling Corp.

Congratulations Marilyn! We are so glad we could help.

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Customer ServicePunctuality & SpeedStaff

Reviewed Sept. 21, 2022

Cambridge was very nice. Every single person that I called was very helpful, didn't make me feel stupid, or didn't make me feel bad because I had that much debt. They worked with me every single time and they were very happy to help. So, that was perfect. They kept calling me and I would call them, and it worked out fine.

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Response from Cambridge Credit Counseling Corp.

Thank you Janeen! We are so happy we could help.

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Staff

Reviewed Sept. 1, 2022

The enrollment was easy. I'm done with the program and they were perfect.

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Response from Cambridge Credit Counseling Corp.

Congratulations on completing the program!

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Reviewed Aug. 20, 2022

I was 3,000 in debt and my income had drastically gone down, so I couldn’t keep everybody happy. They told me that I would pay 35 back and at the end of it, I ended up paying 6,000. I was like, “I wish I could have borrowed the money, because that’s a lot of extra money." Other than that, the program helped me get out of debt. I would call them for my balance periodically through the years and they were helpful. Knowing what I was gonna pay, it was easier for me to pay one small fee. But it was stretched out and there was extra money and that was kind of disturbing.

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Response from Cambridge Credit Counseling Corp.

Thank you for your feedback Susann. We did review your paperwork that we provided to you when you joined the program and it does reflect different starting balances and repayment term than you describe above. We would be more than happy to discuss it with you if you would like to call in. We can provide you with copies of it as well. Congratulations on paying off your creditors!

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PricePunctuality & SpeedStaff

Reviewed Aug. 19, 2022

I spoke to a certified credit counselor. We went through a basic budget and my credit card info, and then we went over options. They walked me through the numbers doing a little budget worksheet with me. The fees are minimal. They sent me a statement every month. They worked with me on the fees and setting up the right due date. The process was very simple. They made it very easy. There can be so much shame in calling and admitting you need help. But they made me feel very great about everything. Robin helped me on the back end of trying to remember four years ago. I also worked with Tinamarie. They were professional, reassuring and positive. It's a sensitive matter and they were great about it. They were very understanding and empathetic. Cambridge is a good, reputable organization. They all seem to really care.

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Response from Cambridge Credit Counseling Corp.

Congratulations on completing the program John! We will forward your kind words to Robin and Tina!

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Customer ServiceStaff

Reviewed Aug. 18, 2022

They supported me in helping pay off a credit card and closed the account for me. That allowed me to continue to make set payments on that card and then paid it off in a few years. I was assigned a credit counselor and I could reach out to them specifically. They were very communicative with the status of my account and they were always providing email updates and contact information if I ever had questions. I am very satisfied with their help. Cambridge is a wonderful company to work with if you need some help with paying off a credit card or multiple credit cards. They offer great financial and credit counseling.

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Response from Cambridge Credit Counseling Corp.

Thank you Angelica! Glad we could help, congratulations on paying off your creditors!

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Reviewed Aug. 17, 2022

It was easy to sign up. They kept me informed of things. It was a good program.

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Response from Cambridge Credit Counseling Corp.

Glad we could help Mae! Thank you.

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Customer ServiceStaff

Reviewed Aug. 12, 2022

I met the owner at a convention in Seattle, and we spoke about the options. Living in Puerto Rico, I wasn't available to be actual customers from the program. But they took a shot on me and I took advantage of it. Everything was just destiny. It was great. Now, I'm debt free. I have a new car, and a second born child came within also during the process. They're both in private schools. We were planning to send them to the public system education, but we managed to have enough to cover up for expenses so they can go to private school. So that was the best outcome.

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Response from Cambridge Credit Counseling Corp.

Congratulations on completing the program and the new baby!

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Customer ServiceStaff

Reviewed Aug. 11, 2022

The enrollment was easy and everything went fine. They downloaded some forms for me to fill out and then uploaded them. The program helps you get out of debt and be able to do your finances. Every time I needed to ask my agent a question, I did. It was great. He was eager to assist and non-judgmental.

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Response from Cambridge Credit Counseling Corp.

Happy to help Sheila! We are so glad everything worked out for you.

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Punctuality & SpeedStaff

Reviewed Aug. 10, 2022

They started with the tribal loans and then I put everything else that I had in debt-wise onto the plan. Everyone was always very friendly and helpful. One of the debtors was going to take me to court. I got served this paper. They did not accept the program when I first started, and I didn't realize that. But Cambridge helped me talk to the lawyers and everybody else to get out of that. We added it on to the plan later and that was a big help.

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Response from Cambridge Credit Counseling Corp.

Glad we could assist Frankie and congratulations on completing the program! We are always here if you have any questions in the future.

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Customer Service

Reviewed Aug. 9, 2022

The enrollment process at Cambridge went well. Everything went smoothly.

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Response from Cambridge Credit Counseling Corp.

That's what we like to hear! Thank you Jeanie, we wish you continued financial success!

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Customer ServicePunctuality & SpeedStaff

Reviewed Aug. 8, 2022

Cambridge gave me good service. They did everything that they said they would do. They never took out more money than they agreed to take. They did everything according to the plan. They got me out of that debt by paying everything on time and accordingly.

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Response from Cambridge Credit Counseling Corp.

Thank you, congratulations Mark!

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Customer ServiceStaff

Reviewed Aug. 7, 2022

I was in deep-dish trouble. It was really ugly-looking. Cambridge helped me get my head above the water. I was drowned in debt. They negotiated with all of my credit card lenders. They closed down all my accounts and talked to my lenders into taking a reduced payout. They knew what they were talking about. Those crank calls from agencies and major lenders also stopped.

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Response from Cambridge Credit Counseling Corp.

Happy to help Carol! Thank you for the review!

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Reviewed Aug. 6, 2022

The process with Cambridge was easy. I did consolidation of three cards that I paid one monthly payment and they paid it off. They helped me pay off three credit cards.

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Response from Cambridge Credit Counseling Corp.

Congratulations on completing the program George!

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Customer ServiceStaff

Reviewed Aug. 5, 2022

I've told people how wonderful Cambridge is. If I ever needed them down the road, it would be my choice. They were very, very helpful. If I had any questions, all I had to do was call and ask. So it was very nice.

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Response from Cambridge Credit Counseling Corp.

Thank you Cheryl, we are happy to help!

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Customer ServiceStaff

Reviewed Aug. 4, 2022

Cambridge is a good company to work with, and they were responsible. Anytime I had to call to ask questions, they were very knowledgeable and helpful. They had good customer service. Also, I was able to log online and see my progress, which I liked. I had a person that told us about the program and set us up. He also talked to us about what will happen and the timeframe that it would take to pay off our bills, and gave us instructions on what to do. He was very thorough.

They told us what our payment would be with each creditor, and how long it would take to pay it off. They asked if we were in agreement with that, which we were. They told us what date our payment will be drafted, how much their fees would be, and how much we would have to pay. We opted to have our payment drafted. The fee was reasonable. Everything was pretty clear and straightforward.

There was one time that I called and I wanted to pay a certain creditor off next, and everything was smooth. But towards the tail end of the program, it was a little bit more difficult to get ahold of someone. It seemed like something changed with customer service. When I called, the person asked, “Is this your first contact? Is this your first time calling about this issue?” I said no and that I called the other day. Then they said, “We'll have a person call you.” I didn't like that part of it because I had a little bit of trouble getting through. But at the very end, I called the number that I had on my statement, and it was the same way it was in the past where you get to speak to somebody quickly. I'm done with my program, and I'm satisfied. I had good customer service and they did what they were supposed to do.

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Response from Cambridge Credit Counseling Corp.

Glad we could help Angela! We are always here if you need us.

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Customer ServicePrice

Reviewed Aug. 3, 2022

When I called and talked to them, they seemed pretty nice and reliable. I gave them all the companies that I want to consolidate, and they did. I've talked to them three times the whole time I was in it. But I had it on direct deposit so it’s pretty much a done deal. Every month you get a report showing how much they paid and what the estimated balance was remaining. It also shows where your money went so you understand where it was going. I got a lot of things paid off that probably wouldn't ever get paid off. Anytime I called Cambridge, I got them, and if I didn’t, they’d call me right back so it was good.

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Response from Cambridge Credit Counseling Corp.

Happy to help Forest! Thanks for the review!

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Customer ServiceStaff

Reviewed July 26, 2022

Cambridge got me out of debt without breaking the bank, and everybody was great. Customer service was above and beyond.

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Response from Cambridge Credit Counseling Corp.

Excellent Eileen! We are so happy for you. Congratulations!

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Customer ServicePricePunctuality & Speed

Reviewed July 25, 2022

I'm finished with the program. The cost was fair, and Cambridge did real good about getting me out of debt. I like it a lot.

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Response from Cambridge Credit Counseling Corp.

Congratulations Marilyn! Best of luck in your financial future.

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Punctuality & SpeedStaff

Reviewed July 24, 2022

They were very consistent. They did what they said they’d do. It took a while to get over and we ended up paying about 70 something thousand dollars back, which was a lot of credit card debt. But they were very pleasant to work with.

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Response from Cambridge Credit Counseling Corp.

Congratulations on paying off your debt, that is quite an accomplishment! We wish you much continued success!

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Customer ServicePriceStaff

Reviewed July 23, 2022

I called a finance advisor that told me about the situation. They gave me a plan and I reviewed it. All the other process was online. It was good. It’s better to have online. But initially, it’s good to speak to someone. With Cambridge, it was clear what to expect from the plan, and how this will reduce the interest rate compared to normal payment. It was nice. I’ve got lower interest rate so that I was able to repay all the credit cards and loan.

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Response from Cambridge Credit Counseling Corp.

We are happy to help Anin!

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Customer ServicePriceStaff

Reviewed July 22, 2022

We spoke with an advisor and then we gathered up the most recent statements from all of the credit cards that we wanted to consolidate into the program. Then they negotiated down those interest rates and set us up with a single payment. We've been getting it auto-debited ever since. We were paying over $800 a month just in minimums to the cards that we put into the program. Our payment after they negotiated everything down was just over $450. So we were able to free up almost $400 in cash every month, which was a bonus.

Their customer service was always really great. They were always quick to answer the phone. They always call back if they couldn't resolve something immediately. If they needed to, they would call one of our credit cards and inquire about things. So we were always pretty pleased with their customer service and their standard regular communication, letting us know the status of our accounts and where things were at. They were always very easy to work with.

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Response from Cambridge Credit Counseling Corp.

We are so happy to hear that things are going well Barbara! We will always be here if you ever need anything in the future.

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Customer ServicePunctuality & Speed

Reviewed July 21, 2022

They were reachable during the pandemic. They have quick customer service.

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Response from Cambridge Credit Counseling Corp.

I am so happy we were here for you when you needed us!

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Staff

Reviewed July 20, 2022

The lady that I spoke to was very nice to me. She told me the details about the credit counseling and all the options that I had. She explained everything in detail. Cambridge took care of the credit for me and everything went well. The service was awesome. It was very helpful.

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Response from Cambridge Credit Counseling Corp.

Thank you Shewnarine! We are happy to help/

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Customer ServicePunctuality & Speed

Reviewed July 19, 2022

The customer service has been good. I always get quick response. The whole process was pretty quick.

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Response from Cambridge Credit Counseling Corp.

So glad we were able to assist you William!

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Customer ServicePricePunctuality & SpeedStaff

Reviewed June 23, 2022

Cambridge is easy to work with. They look at the total that you have then set you up with a payment plan. It’s an affordable payment, too, versus trying to pay six or seven things at different rates. They don’t pressure you. You can do it in a way that helps pay things off without feeling overwhelmed. They also offer education. One thing that I learned was waiting to pay your bill when you get the bill is already too late. If you use a credit card and you pay it off before the statement date, you avoid interest. They don’t bombard you with emails. But when you get those emails, if you click on them and watch the little video, it does help. They do what they say they're going to do. If they say they're going to call you back, they call you back. I had trouble with one of my companies sending me a collection letter but the rep took care of it. I had an overall very good experience.

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Response from Cambridge Credit Counseling Corp.

Hello David. So glad we were able to help! We wish you continued financial success.

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Customer ServicePunctuality & Speed

Reviewed June 15, 2022

Cambridge helped me to clear up my debt. They made it easy and the payment was auto deducted. I was very satisfied.

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Response from Cambridge Credit Counseling Corp.

Congratulations Barbara! So happy we could help.

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Customer ServicePricePunctuality & SpeedStaff

Reviewed June 8, 2022

Cambridge responded really quickly. They offered additional ways to monitor my credit and suggestions on how to improve it. That was good. It was information that I could use in the future. The program got me on track and on focus trying to stay ahead of the game and avoid as much unnecessary debt as possible. It made me more conscious of spending allocations of hard-earned funds. My experiences with the reps were always positive and encouraging. They listen to me. I work a lot so they didn't call a lot. A lot of the communication was via text or they'd send me something through email. I appreciated that.

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Response from Cambridge Credit Counseling Corp.

Hi Jimetta! Thank you for your review. We are so happy we were able to help and get you back on track. Congratulations!

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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