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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.

Visit www.cambridge-credit.org
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 5 Reviews 380 - 530
    Verified purchase
    Billing

    Reviewed April 29, 2020

    I've used Cambridge two or three different times and they were great. They're reputable and very good. It certainly was a lot easier to pay off the credit cards. And it doesn’t affect your credit, so that’s great.

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    Reviewed April 27, 2020

    I finished my program with Cambridge. It took around four years and I wish it could have been shorter. But it was okay. My credit score’s really good so I’m happy. But I’m wondering about something. The different stores were paid in full but they have a balance. Some are $6 and some are a couple dollars like $13. They owe me that money and I’d like to know how I can get that back.

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    Customer ServiceBilling

    Reviewed April 26, 2020

    Cambridge was recommended by a friend. Once the payment was set, I just made it. I didn't have to work with them much. They sent a monthly statement then when I paid something off, they sent me a follow-up notice. The program took almost five years and I'm done with it already. It was fine.

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    Customer Service

    Reviewed April 25, 2020

    The first guy I talked to started the process with me. I never had no problem or issue. I only called in one time for the whole time I was in the program. It's paying off everything, but everything's still the same towards my credit score. But I didn't pay a lot for their service. Only $9 went towards them from what I paid monthly. It took a lot of stress off me. It eliminated a lot of the phone calls. It got me up to the point where I can sleep at night.

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    Cambridge Credit Counseling Corp.
    Response from Cambridge Credit Counseling Corp.

    Betty, hello! Thank you for taking the time to review our services. We're very glad that you're more relieved now that your debts have gone down. Since we are a 501(c)3 non-profit organization, our fees are minimal. Our goal is to get you out of debt quickly and stress-free. Don't fret about your credit score. We are not a credit repair agency. However, many of our clients see an increase in their credit score as they progress and go through our program due to their payments being made on time, and the debt balances gradually decreasing. Stay patient, and hopefully the same will happen for you!

    Verified purchase
    Contract & TermsBilling

    Reviewed April 23, 2020

    Once you get signed up with Cambridge, you just pay the bill and go on from there. I set up the arrangement, paid it off, and that was it. It was good. I'm glad to be out of it and rid of that $187 a month tab.

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    Customer ServiceRefunds & PayoutsStaffBillingLoan ProcessRates

    Reviewed April 22, 2020

    I had three credit cards that were maxed out. I was supposed to make $700 in payments altogether but I did not want to do that. So, I talked to my parents about it and they suggested to talk to somebody that could consolidate the credit. I was talking to a friend about trying to consolidate my credit card debt who told me to go to some website that deals with different options that you could talk to and look at, and I went to it. Somehow, I veered towards finding out about Cambridge and signed up with them, and all the people that were customer service and agents made it very simple.

    Cambridge talked to all three of the credit card companies that I was dealing with and they negotiated, extreme dropping the interest rate, and they got my payments to $300 or $400 together. They were very simple and easy to work with, and I paid off my loans. It would have been a nice if around the holidays, if you're somebody that has been making payments with them for a long time and you're on time, maybe they could give one month where they pay it for you. But obviously, that's asking a lot and twisting somebody's arm for that.

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    Customer Service

    Reviewed April 21, 2020

    Enrolling with Cambridge was easy. The phone calls stopped and I've had less stress. Good service.

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    Customer ServiceContract & TermsStaffBilling

    Reviewed April 20, 2020

    Cambridge's reps were always very friendly and helpful. We finished in February. I had to call last week because a couple my credit cards have a balance of a few dollars instead of a credit, so I have to follow up with that to see. With the virus there's just nobody around so it's hard to finish. Otherwise, it was easy and great. As long as you made your payments on time, you didn't have to talk to anybody.

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    Customer ServiceTechStaffBilling

    Reviewed April 17, 2020

    I liked what I read online and their handling of the call. I gave Cambridge the cards involved and they came back. I then told them what I could or couldn’t afford, and then they came back with some figures and it worked, so we were okay and just proceeded. The rep walked me through certain things. I had a lot of questions, “What is this? What is that?” He was there when I needed him. He was Informative. Made you understand it. I liked the willingness to help and the expertise he had. I finished the program. It helped me to eliminate bad debts and it raised my score a bit, so I’m happy about that. Also, I’ve learned not to use credit cards much and to be responsible. My daughter is going to look into Cambridge.

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    StaffBilling

    Reviewed April 14, 2020

    My daughter looked Cambridge up and checked it out. It seemed to be the best choice. They said they would take so much money a month which was about $200 or so, pay off everybody, and said, “In about three years, you should be clean.” And surer than heck, I am. They did a fantastic job handling my credit. I had six credit cards and everything is okay now. I’m all paid off. They sent me a certificate saying I’m all cleared, “Congratulations, you're all set.” It took me two or three years, but I'm all cleared up with everybody.

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    Customer ServiceStaffBillingRates

    Reviewed April 13, 2020

    I was trying to consolidate bills to keep from filing bankruptcy. I got on and searched the internet and found Cambridge’s name. I called and we did a brief talk over the phone and we went from there. The enrollment process was easy and swift and the service was excellent. I gave them my information. They called me back and they came up with a payment plan. They asked me whether that’s fine and I said it was great. They told me they based my consolidation off of my income and that was how my payment was based off on. I can afford it, so we went from there. The program did wonders for me. I got overhead with these credit cards and by consolidating it, it killed all the interest and stuff I was paying. I’m thankful that I reached out to Cambridge and they were able to help me. I’m in a good situation now and I've paid them off. Working with Cambridge has taught me to be more responsible.

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    Customer ServiceTechPricePunctuality & SpeedBillingRates

    Reviewed April 12, 2020

    I had about $40,000 in credit card debt and Cambridge negotiated lower interest rates for me. There were five different cards that they negotiated a much lower interest on and by calculating what I would have paid in interest and sign-up cost and monthly cost, it still came out way ahead. My payment was based on how much I owe divided by five years, to get it paid down in five years, and considering what I could manage. Our interactions were mostly through email. It was pretty clear what I had to do and I was able to communicate just online.

    I eliminated one card after about three years and then a little year later, I had eliminated another. On the last payment, all remaining three cards were paid off. I felt like Cambridge really had my best interest at heart and that they were positive about me being able to achieve my goal. I was very supported and encouraged. I've completed the program. I’m retiring in two years from now and I’m now credit-card-free. I can now invest more towards my retirement and I couldn’t be happier.

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    Cambridge Credit Counseling Corp.
    Response from Cambridge Credit Counseling Corp.

    Kathleen, congratulations on completing our program, and thank you for telling us about your experience. One of the benefits of working with our company is our pre-existing relationships with creditors that allow us to negotiate for lower interest rates. Sometimes, as low as 0%. We know that it's difficult to pay down your creditors when the bulk of your monthly payments are going towards covering your interest rates. Lower interest rates allow your payments to be applied to the balance, which allows you to get out of debt much faster than just making the minimum monthly payments on your own.

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    Billing

    Reviewed April 11, 2020

    I had some credit cards that were a little out of hand. Working with Cambridge was simple and easy. They’re good people. We're done. It took us a couple of years which was within the estimated time. I would recommend Cambridge.

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    Customer ServiceBillingHonesty & Transparency

    Reviewed April 10, 2020

    A friend of mine told me several years ago about Cambridge and I went with her advice. I’m glad I did. I enrolled in their credit card program and it didn't take long to get in with them. Customer service answered my questions right away and they were honest. They worked with me on a payment plan very well and they kept it to where I could afford it. They told me that if I had any more to add, I could do it and I did. Their service was great and I would recommend them to anybody. I was in the program for four years and I’m out of it now.

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    Staff

    Reviewed April 9, 2020

    Working with Cambridge has made my life much better. They were very nice and they helped me. They just took care of everything and it was good. I finished my program with them.

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    StaffBilling

    Reviewed April 8, 2020

    I never thought I’d see daylight. I’m a voice actor. I had a crook agent wreck my business. This was all when my Mother began to decline health-wise. It couldn’t have been a more bleak time. More than once it got into will we have enough for food and medicine after we pay Cambridge. Everybody was lovely and God knows how, we didn’t miss one payment. Your staff was lovely and encouraging. A thing like this is insult to injury. Google me. It’s an extra hit on your emotions and you’re half way well known. Finally sold my Mother’s house and paid everybody else. Out of debt. Finally. You were an immense part of me restoring myself.

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    Reviewed April 8, 2020

    I went on a certain website and was referred to Cambridge. The overall process was easy and I liked it. I'm finished with my program with them and my credit's better.

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    Customer ServiceStaff

    Reviewed March 31, 2020

    Cambridge Credit was wonderful. They really helped me a lot and I appreciate it very much. Most of the things we were going to pay got paid off in 36 months. And towards the end, I paid it off sooner and they helped me to do that. They were always there whenever I called or needed something. They were very nice. They went over everything with me and explained everything to me. They were very good with that, too. The quality of their service for me was terrific.

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    StaffBilling

    Reviewed March 29, 2020

    I liked everything that Cambridge told me. I decided to choose them and my experience with them was good. I was in the program for 3 years. I finished a little bit earlier than what we expected ‘cause once I finished paying one, we moved the other payment to the biggest debt. I liked that I had the chance to pay all my debts in a low payment. I'm really grateful with Cambridge and I would tell more people about them. Their program was helpful.

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    PriceBilling

    Reviewed March 28, 2020

    My bills are paid and I'm all done. Cambridge Credit Counseling had answers whenever I needed them. The cost was fine and they worked with me very well on the payment plan.

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    Customer ServicePunctuality & SpeedStaffBillingRates

    Reviewed March 27, 2020

    We were trying to dig ourselves out of the credit card debt hole that we were in and I liked Cambridge's plan better than the other companies that I had called. They were very helpful and they made sure that the payment plan that we came up still worked because life throws curve balls every once in a while. So, it was good. I was very happy with the whole process. I had the original person, and then I got passed up to someone else. Unfortunately, that person left and I got passed to someone else. So, I spoke to different people.

    They estimated that I would be in the program for five years. We asked for a lower rate on one of the credit card companies, and they gave us zero instead. So, that was a big deal and it helped. I then finished a bit early. We have paid it all off and we are in a much better financial situation than we were four and a half years ago. Overall, it was a good experience and we’re glad that we did it. We were able to get our feet back underneath us. And I would recommend them if someone was asking about that kind of situation.

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    Staff

    Reviewed March 23, 2020

    Everybody at Cambridge was fantastic and I was comfortable working with the rep. The program was wonderful and I’m finished with it. I paid off my debt and I have $500 a month available now.

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    PriceStaff

    Reviewed March 22, 2020

    It worked out fine with Cambridge. Since completing the program I've had a lot more money saved and no more paying debts. Interactions with their reps went perfectly. Everything went well.

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    Reviewed March 21, 2020

    I went into debt consolidation with Cambridge almost four years ago and I’m done with the program. The process was nice and I got rid of my debt.

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    Customer ServiceCoverageTechPunctuality & SpeedMaintenanceStaffBilling

    Reviewed March 20, 2020

    If you call or send an email to Cambridge, the reps would always respond back and there was no long hold. You always got somebody right away. I’ve paid everything off early so I’ve received my certificate of completion. I have three years and I did it in two. Cambridge paid off the debt but I still have to go through another credit company to fix a dispute to say I paid it off. Maybe Cambridge could do a little bit more of the counseling for your credit. I understand that they consolidated it but they could reach out to your credit card company to try to do a credit repair type of thing.

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    Billing

    Reviewed March 11, 2020

    My niece set my whole thing up with Cambridge. They lowered my APR and set up payments where I could pay it off easily. I paid that off for three years and things went fine.

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    Customer ServiceStaff

    Reviewed March 8, 2020

    All the employees were very very helpful. If I had a question they never failed to respond in a professional manner. Great to work with. I wouldn't hesitate to recommend Cambridge to anyone. Thanks for all your hard work on my behalf.

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    Customer ServiceTechPriceStaffRates

    Reviewed March 8, 2020

    I was supposed to go with this other company where they didn’t charge a fee. I signed up with Cambridge instead and told this friend of mine. She said that I called the wrong place and that I should just cancel that. I thought, “No, I’m not going to.” They were kind and it seemed to be worth it, and it was. I felt like it was a very professional outfit. Just getting the paperwork that they sent out and everything exemplified that was worth paying $75 a month. I loved the Cambridge Credit counselor, Emma. They worked with creditors to take down the interest then they took all those accounts and worked with them and paid them on a monthly basis. I have heard since people say that it’s just like filing bankruptcy but I don’t think so. My credit score’s in the mid-700s now from being under 600 so that says a lot. I know now that I will never get into a situation like that again.

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    CoveragePriceMaintenanceValue

    Reviewed March 7, 2020

    From the almost insurmountable hole I created to where I am today I have nothing but positive things to say about their services. They charged me $50 a month for 3 and a half years to fix my credit. Easily worth every penny.

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    Customer Service

    Reviewed March 2, 2020

    We started with some other company and one day, we just got a letter saying that Cambridge bought us out. They sent us the information that everything was gonna be the same and to just continue paying like we were. They were very nice and really comprehensive in their report about what was going on. They were better than the other company. We were done with the program on February 26th. We completed everything and got our certificate. I called them and wanted to find out if, after we completed the whole session, they turned anything into the credit bureau, saying we did something good. And it was a good experience.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed March 1, 2020

    Cambridge was referred to me by a friend, so I used them. Enrolling with them was super simple and easy and the program went into effect immediately, so it’s a good deal. I ended up using it for 2 years so it’s really super fast. Their staff was always great. They would always call me to notify me about anything. There would be emails checking in, so the customer service is always top-notch. One bad thing was the credit drop, but I knew that was gonna happen and I’ve been able to slowly build it back up into the high 700s.

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    Punctuality & SpeedStaff

    Reviewed Feb. 25, 2020

    I was referred to Cambridge Credit by a friend. The enrollment wasn't difficult at all. They were helpful whenever I had a question. I just completed it last January. It was quick and easy. It couldn't have come at a better time 'cause I moved on a house. It was perfect.

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    Contract & TermsStaffBillingRates

    Reviewed Feb. 24, 2020

    Cambridge Credit gave me good feedback. They helped me with my credit card debt, paying it off. I don’t have the credit debt anymore. We set up an arrangement to make payments. It was an auto-payment to them and they just paid it off whatever had to be paid. It was seven different accounts. They also reduced my interest. The amount worked out fine for me. It was reasonable. The enrollment process was easy. I only talked to the rep twice after, when we first arranged up the re-payment. It was simple. They gave me advice and made sure I stayed on the plan. It’s been pleasant.

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    Customer ServicePunctuality & SpeedStaffBilling

    Reviewed Feb. 12, 2020

    Cambridge came by as a referral from a friend who was using the service and I was trying to better my credit. I needed an easier way to kind of make those payments so I could better my score and get that stuff out of collections. The enrolment was really simple and didn't take very long. It was a very quick call, giving the account information for the accounts that I wanted to be settled. I’m finished with the program and I got my certificate three weeks ago. Cambridge helped me better my credit score and helped me get some things out of collections. And it was very convenient. It was automatic payment and it was taken care of. I didn’t have to go out of my way and handle it myself.

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    Customer ServiceTechPricePunctuality & SpeedBillingRatesTransparency

    Reviewed Feb. 2, 2020

    I did some research online about finding a company that was reputable and had a really high rating with the Better Business Bureau, and Cambridge was one of those recommended in an article that I read. I had a specific person in the beginning who I originally talked to and set me up, and then, whenever I had a question, I just spoke to their customer service reps. They always had somebody available to answer any question, so it was good. They also sent emails every month about the statements. The only thing was if you wanted to get an updated payoff amount, you had to wait until the end of the month because of all the payments that had gone out for it to process. Overall, it was a very simple and seamless process. The best part of it was that I knew exactly how I was gonna be paying each month. Plus, the cost of Cambridge's service was reasonable. It was totally doable for us each month compared to what I would have been paying.

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    Customer ServiceRefunds & PayoutsStaffBillingRates

    Reviewed Feb. 1, 2020

    I had a very positive experience with Cambridge. I'm 100% pleased. Somebody told me about their debt consolidation, and I called them then I talked to Emma. She walked through some things with me and told me I was a hardship and that they can help me. They told me exactly what to expect and how long it was gonna take, and it took a month and a half less to pay it off because the interest went down. Sometime, it was down about 93 cents at the end. I was informed of everything that was going on and they gave me a lot of support. The customer service was great. Everybody was doing their job and they knew what they were doing.

    I had three payments with Capital One, and Cambridge helped consolidated it for $50 a month, which I was paying 150 in interest. I have that close to $20,000 that I owed, and I paid it off in four and a half years. I was still paying for it last October. In November, I had the half of payment, and then my debt was all paid off. When I was all done, they sent me an achievement award, which was nice. They sent me the printout of every payment that I have made. I was pretty well aiming to financial buying. I've never missed a payment. They even owed me $4.04 and $4.36 on the other one, and they sent me checks. Everything was taken care of very professionally.

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    StaffBilling

    Reviewed Jan. 29, 2020

    Working with Cambridge relieved me of some debt, and that is always good. Their people were professional and courteous. They consolidated my credit cards into one payment and I was able to pay it off.

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    Customer ServiceStaffBillingFollow-Through

    Reviewed Jan. 21, 2020

    I ran across Cambridge Credit Counseling on Facebook and called them. I talked to them so they could tell me how I had to go about doing it. It sounded good and it worked out fine. My credit cards and a couple of other bills were out there, and they said that for a percentage, they would take care of them. It took about two years and a half. They were taking a certain amount out of my check to pay the people that I owe. Only one turned them down, but that’s alright. The payment was reasonable and working with Cambridge got me out of some of my debt. My credit score has jumped up a little bit, which is good. It kinda helped me out, and I decided not to get in that situation again. Cambridge did what they said they were gonna do, and we were off and running. Now, I’m paid off.

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    Customer ServiceLoan Process

    Reviewed Jan. 20, 2020

    I was not notified when there was an issue paying off 24/7 loans. I was told I would be paid off in April and when I called I was told there was an issue. This caused an additional year to payoff the loan. I was not even told about it till I thought I had sent in the payoff. I will not use or recommend Cambridge to anyone ever.

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    Cambridge Credit Counseling Corp.
    Response from Cambridge Credit Counseling Corp.

    Brian, we apologize for the issues that happened with your account. Initially, we were not aware of the issues that had arisen with your lender. When we did learn of the situation, we worked hard to rectify it on your behalf and our C.E.O reached out to you as we were trying to solve the problem. We are taking your concerns very seriously, and we will review the outcome of your situation with our staff for future consideration.

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    Customer ServiceStaffBilling

    Reviewed Jan. 10, 2020

    Everything was good, including the interactions with the reps and the payment plan. Also, when I needed help or call, I always got contacted back.

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    Customer ServiceStaff

    Reviewed Jan. 9, 2020

    Signing up with Cambridge was easy for me. They just pulled out my credit report and I told them what I wanted them to pay. Their reps were great and I worked with a very nice gentleman then. If ever I had issues afterward, I would just call and Cambridge would take care of it.

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    PriceRefunds & PayoutsStaffBilling

    Reviewed Jan. 8, 2020

    I got over-punched in debt with my grandson and great-grandson. When I get through paying my bills, I didn’t have anything left. Cambridge offered to help me get back on track. Their counselors have been wonderful both times I've used their services. This company has given me freedom from my bills and from having nothing. They made payments affordable when my bills were taking all of my income. Now, I have money left to spend and do some of the things that I want to do. I’ll tell the world that Cambridge is number one.

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    StaffBilling

    Reviewed Jan. 6, 2020

    I wanted to consolidate credit card debt and Cambridge was referred by my EAP program at work. Signing up with them was pretty easy, and we just finished the program couple months ago. They were all professional and helpful. My debt was paid off much faster than I thought it would be. It was great.

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    Staff

    Reviewed Jan. 3, 2020

    The man that signed me up was very professional, and I didn’t have to contact them very much throughout the process. I also didn’t have to do a lot of work on my end. It was good service and I'm very satisfied.

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    Punctuality & SpeedBilling

    Reviewed Jan. 2, 2020

    I was very pleased with how everything worked out with Cambridge. It went faster than I expected, and I’m so happy that I’m completely debt-free since the program was finished in December 19th. It was a total of about three years. It went so fast and I didn’t realize that the time was up. I appreciated how they worked with me, and I’m very grateful that it went as quickly as possible. It also went well with the counselor I spoke with. I understood what was supposed to be taking place, and I agreed with the payment plan which worked perfectly and it was within my budget.

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    Customer ServiceStaff

    Reviewed Jan. 1, 2020

    I set up with Cambridge for my mother and everything was pretty cool. They were knowledgeable in what they did for me and they pretty much delivered what the rep said she would do. And when I called and asked to have things rearranged, she did it for me. Communication could be a little bit better for some people. I can't even remember how often it was to let a person know where they stood at or how much more they had to go. I think that can be improved. Also, my mom is 72 and doesn't know the terminology, so I do my best to try to help her. A lot of people don't check their emails as often, like me, so I tell people to call me. A phone call would be better, either to that person, if they can't understand, or whoever takes care of them to explain the situation.

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    Reviewed Dec. 27, 2019

    Enrolling with Cambridge was easy. I paid everything off in their program.

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    Customer Service

    Reviewed Dec. 21, 2019

    The enrollment process at Cambridge Credit was pretty easy. It was just giving them my account numbers and how much I’ll be able to handle. I had a main counselor. But if I had a question, I would call up and anybody would give me the answer. If I had a stupid question like, “What day of the month do I have to pay?”, anybody who answered the phone was knowledgeable about my account. Since going through the program, the stress is definitely gone. I recently sold my house, so I paid off all my credit cards, even the ones I didn’t have in debt. And it’s so nice to just be like if I use my credit card this month, then I can pay it off.

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    Reviewed Dec. 16, 2019

    Cambridge gave me a second chance! My medical debt was interfering with accomplishing the basic needs of life. I was a single mother and the debt added up within 2 ambulance trips to the ER and the debt was ruining my life. I was turned down by employers and couldn’t get any credit...my life was terrible. Cambridge turned that all around by giving me a chance and helping me pay off all of my medical debt. Here I am 2 years later with a credit score of over 700, a new house, and a dependable car. Now I can send my daughter off to college! Thank you for helping me!

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    Staff

    Reviewed Dec. 14, 2019

    Cambridge Counseling was a life saver to us. We were in so much credit card debt and weren't sure how we were going to get out of it. I did a lot of research and found them online. They are very reputable. When I needed to postpone a payment they worked with me and didn't make me feel guilty for doing so. We are now out of the huge hole of credit card debt and enjoying a little extra cash every month. Thank you Cambridge Credit Counseling!

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    Customer ServiceStaff

    Reviewed Dec. 11, 2019

    My experience with Cambridge went really well. I googled and Cambridge's program was the only one I looked at. The representative I talked with in the beginning was good and I liked that I didn’t have to worry about my debt and everything would get paid. I couldn’t argue with the number in the payment plan because they were helping me out and I didn’t wanna be on it for a long time, which I was 'cause I didn’t realize that I was in default with my student loan. I’m going through something right now where a company is saying they’re not paid but I called Cambridge, and they let me know that they are paid and they’re backlogged. So, they’re working with me. While I still get phone calls from some people, working with Cambridge has relieved a lot of stress and it’s good. I like it. They’re worry-free and it’s easy-going, and I’ve told my mother or two other people about them as well.

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    Customer ServiceStaff

    Reviewed Dec. 1, 2019

    Cambridge was helpful and informative. The enrollment process was simple and easy. The counselor was responsive on email. It was very easy to communicate with them through the process. They told me to send the information and we discussed the plan on how best to move it, and what we were looking for as an end result. And then they said, “Okay. Send us in the creditors you wanted correct and we’ll take it from there." The program got me out of debt and then it gave me a better credit score. I’m already done. I could’ve saved that money myself, but Cambridge had the negotiation powers to get the creditors to stop bugging me. So, that is the advantage and that is the service I’m paying for. Overall, Cambridge was perfect. They were able to organize my stuff and they got it done. They will help you get out of debt.

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    Sales & MarketingPriceStaff

    Reviewed Nov. 30, 2019

    I had credit card debt, and I had a good experience with Cambridge. I talked to a gentleman when I first called. I was always a little skeptical because it was on the internet, so I asked him 15 times if this was a scam, and he said, “No. I promise you.” There are so many things out there that aren’t true that I had to keep questioning him. Then, I did further research and realized that it was not. That gentleman was very nice and he went into a lot of explanations about what they did and why, and it was a good fit for me at the time. He was great and he was patient with me. The enrollment process was easy, and they were very helpful. I have already paid them off.

    However, I did it again and had to redo it. I went to my local bank and they helped me out because what he did was the interest rates they gave me on everything was 5%. And I thought, “Okay, I’m doing this.” So, I cut up all my credit cards. If I was more of a responsible person Cambridge would’ve been the way to go. I have known other people that had done it differently with different outfits, and Cambridge was the way to do it. Overall, Cambridge is awesome.

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    Staff

    Reviewed Nov. 29, 2019

    The rep was so good about what he does. He told me they could get the interest down and I could work up a payment and we did. He let us know about everything. He did everything he said he was gonna do. So the process went real smoothly. And my wife didn’t touch her Social Security for anything. Cambridge texted us all the time and sent us the printouts. Everything was real great. I thought our debt would never go away and then all of a sudden, we were down to just four more payments. We worked with them for 52 months, and our last payment was $671. Everything was good. We paid off $76,000, and we also paid off the IRS $21,000 in the same amount of time.

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    Staff

    Reviewed Nov. 21, 2019

    I was really pleased with Cambridge. I was glad when I had paid off, and they’ve really helped. They definitely built up my credit. They were all very friendly and I really liked them. It’s just hard to get through to them when I was trying to finish paying it up. The guys were busy. And I may have just missed it, but when they started taking money out of the account, I didn’t realize every time there was a $40 fee with it. I didn’t like that they took $40 out with the fee. It’s included in the 283. But besides that, it was great. It was pretty convenient, and they did what they were going to do.

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    Customer ServiceStaff

    Reviewed Nov. 16, 2019

    I did a little research and called several different programs, but Cambridge got back with me a little bit more. I incurred a lot of debt and upon initial contact with them, they were very responsive and followed up well with me. The customer service was great and everything was very positive. They had one number for customer service and they had another number for people who were already enrolled in the program. Sometimes I wouldn’t have my paperwork in front of me so I would Google it and call a number and then that would not be the right number but they would get back with me, so it was just a matter of me probably getting to the right number at that point.

    I got monthly statements which told me what had been dispersed, when and to whom. If I had a question about anything, I would get an email and a phone call back. Towards the end, I was trying to get my balance in order so that I can get my sons in order to pay, and that took a little bit of time but I understand that Cambridge wanted to make sure the balance was as accurate as it could be for me.

    Looking back on it, I’m grateful that I could pull off the payment plan. I wasn’t sure that I could at the time, but I did. Given how much I was paying in credit card bills just to make the minimum payment, it was probably an improvement. The difference being that it was a lump sum that came out rather than when I could make it. So, I would recommend Cambridge to anybody as opposed to bankruptcy. Paying that money every month plus the information they would send out about credit and trying to keep your credit good helps you to realize you’re not doing yourself any favors to get in debt.

    I’m a real researcher, so I probably did my homework and I would suggest other people do research. The good thing about Cambridge was they were the mediator initially, particularly because there were a couple of my creditors that were nasty and tried to be overbearing. So, I appreciated them being there to handle that. The particular person that I worked with initially was wonderful. She was very kind but she was also very matter of fact. She spelled out everything for me well. Granted my circumstances were different than many because it was sort of a hardship kinda situation for me, but I would do it all over again although I never want to go there again.

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    Customer ServiceStaff

    Reviewed Nov. 7, 2019

    A friend of a friend had used Cambridge and had good things to say, so that made me choose them. Their service was honest and straightforward. There was a lot of follow-up and their reps were hands-on. They did what they said and they didn't over promise. I was a little nervous because I heard a lot of bad things about similar agencies, but they were exactly what I wanted them to be. If I ever had to call in, I always talked to the same person. Usually I had to leave a message and they'd call me back within 24 hours. I would've liked my payment to be lower, but they did the best they could. Our relationship with Cambridge is over now. They fixed everything for me and they were really great. Having worked with them will make things easier in the future and down the road if I’m ready to buy a house and make a big difference.

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    Punctuality & Speed

    Reviewed Nov. 5, 2019

    Everything was well with the enrollment process. I was satisfied with Cambridge. The service was very good. It worked for me. Sometimes, the bill might get still overflowing. But I just have to stick with what I do. The guy who was working with me was good, and I would speak with him when I was late a couple of times with my payments. Everything went well with me and Cambridge.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Nov. 4, 2019

    I called one credit counseling company and they said that they couldn’t take me but they recommended Cambridge. The enrollment process was easy and the program worked for me by helping me get our credit cards paid off. They worked out a plan with the credit card company and told me how much I would pay a month. I wanted it to be less, but I wouldn’t have got it paid off as quickly, so I was fine with it. Also, I didn’t need a counselor that much but when I did, they were there and were fine. It was helpful and they were very professional. My experience was good and you should give them a try too.

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    Staff

    Reviewed Nov. 3, 2019

    The first time I worked with Cambridge Credit Counseling Corp., I was satisfied. The second time, I felt that I could trust the company working with me. I was comfortable with coming back with them all again. The program was very good. They went ahead and subtracted whatever they needed to subtract with the payment plan. And then they took the payment every month out of my account, which I was fine with and then they distributed the total amount to the different vendors. Every month, I had gotten a statement to see and that was good. I don’t have the credit card, except for one. So I’m doing very well. The program really helped me with savings and to realize that I don’t need credit cards. I had gotten a person into them and she was happy. She finished and that was a good thing.

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    Customer ServicePriceStaff

    Reviewed Nov. 2, 2019

    Cambridge provided me with very good service that I didn’t have to really do anything. It was easy to get set up and they took care of everything automatically. Their enrollment process was very easy and their program got me out of debt. Their reps were very helpful and very friendly. The few times I've had to call them, they were great. It was very comfortable working with them. They were very easy to work with and they answered my questions right on the spot. They didn’t need to check with anybody. My payment plan was set as automatic withdrawal every month and they sent me a statement every month. Cambridge's cost was excellent. I'm completely done with their program and I'm very satisfied with them. I had a lot less worry when I worked with Cambridge.

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    Staff

    Reviewed Nov. 1, 2019

    I liked Cambridge Credit's enrollment process. Their reps really helped. They took care of my paperwork and my bill every month. They let me know when I'm done paying for something. They also send me a letter every month or every other month to let me know how I'm doing and ask if I needed any help. If the bank would charge me anything else, they would take care of it. Everything has been fine, except for the fact that Wells Fargo sent me another letter saying I still owe $4.21. Even so, before working with Cambridge, I couldn't bring my balance at the bank down. Now, I've learned my lesson. No more credit cards for me. Before, I used to get loans. I don't do that anymore. I recommend Cambridge.

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    Customer ServicePrice

    Reviewed Oct. 31, 2019

    I had a lot of credit cards and my minimum payments were too high for me to handle, so I needed help. I went online, read reviews and looked at several companies, and Cambridge had the best reviews. I did the debt management program with them and my enrollment process was easy. I made one phone call and Chris, the gentleman who helped me, just told me what to do and what to expect. They kept up with me several times. They would send me emails and I'd go over all the information. I did feel under pressure on the first call, but everything was clear with what was happening, what I was doing.

    I sent them my credit report, and then I had to make my first payment with them. I told them, “I don’t have money to pay you and my creditors this month. I can only choose one.” I ended up choosing Cambridge and that took a hit on my credit report for that one month that I didn’t make payments with my creditors. What happens is they make an offer to the creditor and they’ll make a certain amount of payment, and the creditor could take it or reject it. That took a little longer. They told me one price for my monthly payment but it went up two more times. They said, “Okay. We’re gonna pay all your bills this month for…” Let’s say, $1,000. And then, some creditors rejected it, so then it'd go up another 50 bucks, and then, maybe it’d go up another $50.

    Cambridge offered classes online and literature. I went over some of it. I didn’t take advantage of it as much, the way I should. I just stuck to the plan of paying the bill and letting time pass. So far, I'm finished with the program. I would recommend them and I have recommended them to friends, because their price compared to everybody else was fair. They were at the minimum for what they were doing for me. And it was very affordable and straightforward. They were charging me $50 a month to run the program and I was able to get what I needed done. I would’ve been over my budget by 400, but I was able to bring it right where I could stand it with their help.

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    Reviewed Oct. 30, 2019

    Cambridge's service was good. If I had any questions or if I needed any help, they were there for me. They helped me out a lot and took care of me real good. So far, everything is okay. My program is over now. If anybody I know would need credit counseling, I would recommend Cambridge. I had a good experience with them.

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    Customer ServicePriceStaff

    Reviewed Oct. 29, 2019

    I had a lot of debt and I've seen them advertise, so I reached out to them and they helped me. The enrollment process was good and I had no problem at all because everything was done on the phone or the internet. They provided me service in consolidating the bills that I had gotten to them. They took everything that I had sent them and added it all up then calculated how much it would take me in so many years to pay off. I told them I didn't wanna go over 300 a month in my payment and they got me under that as I did 241. They also got me online to a program that was how to better take care of my credit. They taught me how to not buy unless I have the money to buy. Because I got into that problem, moved into the home, and then my son and I utilized all our credit to getting the house fixed and repaired.

    Everybody I spoke to was really good. If I had an issue like if I couldn't make a payment one month, they told me that all I had to do is let them know and they would take care of that. That was only once and that was good. It helped a lot. My only issue I had with them is sometimes I couldn't get a hold of them. I would have to leave a message and then they would eventually call me back a couple of days later. Other than that, everybody was so nice and helpful. Now, all has been paid off. I didn't even think about the cost because they took care of everything for me. I'd do it again with them if I had to 'cause I had no problems at all. I've also already recommended them to a few people, and they've joined and they're happy too.

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    Customer ServicePriceStaff

    Reviewed Oct. 28, 2019

    We got out of control with the credit cards and in order to see a difference in the payment, we would have to pay more than what we were able to pay because the interest rates were so high. We called the Better Business Bureau here in Shreveport, and they recommended Cambridge Credit. We gave them a call, and they worked out a payment plan with the creditors to lower our payments. We didn’t have to go into an office, so we did everything in the privacy of our home.

    Once they set the payment plan up and told us how much we had to pay a month, we just followed through with the payments each month. We were having our payments automatically deducted from our accounts. At one point, we got behind. I spoke with one of the representatives at Cambridge, and she told me that they were just gonna put it at the back of my payment. We still got letters saying that we were behind, but we managed to pay it all off. Cambridge helped us to move ahead, get control of the debts, and get it paid.

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    Punctuality & SpeedStaff

    Reviewed Oct. 26, 2019

    I called Cambridge and told them what credit card debt that I wanted to pay out. I was up to the maximum on it and I just wanted to pay it out. Their program was a good one for me during that time. The reps were nice and friendly. They talk to you and encourage you. I love it. At first, I didn't want to do it, but I'm glad I did. I looked out myself and paid the bill out, and the letter that they sent me saying, "Thank you. Your payment was always on time, didn't miss a payment." It helped my credit score. I always encourage other people too. I said, "If you got a bill and you can't afford to pay out, it's helping your credit score."

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Oct. 24, 2019

    It has been a year since we started with Cambridge, but I remember they had really good reviews, and it seemed like a pretty straightforward process. I called and immediately there was great customer service. They explained the things in details and it seemed very simple to do. The enrollment was really fast, and the counselor was very knowledgeable and very patient to explain the other option which was consolidation. They really explained the differences, and that was why we decided to do what we did through them.

    We ended up paying everything and we decided to pay it before time because our finances had changed and I decided we could afford it. So, it really was a wonderful service. We ended up just paying out what was left and the cards as soon as we could. Our credit went up significantly. We have great credit now, and it really gives me peace of mind and understanding that I’ve got a credit card and how to manage it.

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    Customer ServiceStaff

    Reviewed Oct. 21, 2019

    Our experience with Cambridge was very good. My husband liked it and he enjoyed it. We were trying to get some help on bill debt and some other medical bills too. We were referred to Cambridge and the enrollment process was very easy. The process didn’t take that long. They respond right away. My husband stated everything online and over the phone. The payment is really good and it’s fair enough for us. It's very convenient for us, as well. They were very helpful to us. And in the future, if we have other stuff, we will call Cambridge.

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    Customer ServicePriceStaff

    Reviewed Oct. 20, 2019

    I had a great experience with Cambridge. Their enrollment process was very easy and good. There was a guy by the name of Danny and he was a nice gentleman who helped me out tremendously. We did the direct deposit thing and we set that up. I’m a little older and I needed some assistance with that. Once I set up with them, I would call them and I used to make a joke that I was harassing them because I didn't remember numbers. I did that every couple of months. They were cool. I had no issues with Cambridge. It has a good system and I recommend it. It’s fairly affordable too. Their program got me out of a problem fairly easily. Everything is paid up now and I’m glad I was able to get out of it.

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    Reviewed Oct. 19, 2019

    The enrollment process with Cambridge was pretty easy. I did the application over the phone. It took five years for me to complete the program. I got rid of all my debt and made one payment and I'm in good shape now.

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    Price

    Reviewed Oct. 17, 2019

    I had too much debt and I wanted to get it paid off. I searched around and I happened to find Cambridge Credit Counseling. I read good things about them and so I signed up with them. I had to let them know each credit card company that I owed money to. And then they made all the arrangements with the credit card companies with how much I would pay them back and what the interest rate would be. They were really good and very helpful, and their service did not cost that much. I took 5 years in the program but it was a great experience. I got all my debt paid off so I’m debt-free, and my credit score is very high so I have excellent credit now.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Oct. 11, 2019

    Cambridge Credit Counseling was recommended by my employee assistance program. I double-checked their ratings online and their reviews with the Better Business Bureau. They were non-profit so I knew that they weren’t doing this work to try to support people for money. All those factors come together and made me more comfortable working with them for debt alleviation.

    The enrollment process was straightforward and easy. It was also easy to add another account. The initial person who set me up was very helpful and courteous. And the people who I talked to on the phone usually gave good answers and followed up. I really appreciated how clear the materials they emailed to me were and that there were monthly notifications about where I was with my balance, where it was going and how much I paid off. I felt like I was in the loop from a service perspective, which was valuable.

    Cambridge's program helped speed up the time that my family has been able to pay off a lot of debt. The recession was a juggernaut. My husband and I had to use our credit card a lot more than we wanted to for essential expenses and the credit ballooned. It was nice to pay roughly the same amount of money that I was paying overall for all of our different debts but to have it go much further and faster in reducing and eliminating the debt. Our experience with Cambridge was beneficial. It was really embarrassing and horrible to be in debt, but that happens to all of us sometimes and you try to make things work. I'm grateful to have people who worked alongside us to get it done.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Oct. 9, 2019

    I looked online and found Cambridge as the best company that would suit my needs for the time that I needed them. Enrolling with Cambridge was easy and their service is a flat rate $35 service fee each a month. They handled the creditors personally and were one-on-one with each one of them. If I had anything to say, it's, “Mmmm.” I guess the middleman gotta get a cut too. But I didn’t negotiate anything. What happened was the creditors reduced the amount to a X amount of dollar. Each creditor agreed, “Okay, we’ll take 300 bucks this month instead of the minimum 450.” And then, they added everything up and said, “Okay. Every month, give us $700 and that’s it. You’re good, don’t worry about it. No questions. Pay 700 and you’re good.”

    Then, I also rarely ever had to communicate with anyone. Except time to time, I would get an email saying to submit recent bills then I would fax those recent statements over. It was cut and dried, “Pay this X amount on the 10th of every month and go about your day.” So, it was really simple. “Here’s your debt,” say, 25,000, “here’s your 10 credit cards, pay this amount on the 10th. Knock it out, you’d be debt-free, less than five years.” “Okay, all right. Thank you.”

    There were a few times where I had questions and concerns like when my check wasn’t gonna come in right on time, and they were like, “Okay. If you need to wait a couple of extra days, that’s fine.” As long as they knew ahead of time, everything was fine and I didn’t have any issues. It was direct withdrawal so I didn't see it and I didn’t miss it. Right now, I already completed the course and it was not difficult. Sometimes, one hates to have to use this type of service, but when the service makes the transaction so easily and seamlessly to where they take the monthly income and outgoing debt in consideration and then come up with a reasonable number, it makes it easy.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Oct. 7, 2019

    I wanted to consolidate my credit cards, get the interest rates down, and get them all paid off. I read about Cambridge online and they had really good reviews. Their fees were low and they seemed reputable. A lot of the other companies that I looked at were trying to sell something. Instead of help, they wanted to give a loan. They wanted us to borrow money from them. But Cambridge just wanted to help us get out of that. So, I called them and I said I was interested in paying off my credit cards. I was barely paying over the minimum and I didn’t wanna pay all the interest. They asked what accounts that I had and what the totals were. They then contacted my creditors for me on my behalf, with my permission, and negotiated interest rates.

    Going through the process was easy and Cambridge set everything up. They deducted the payment automatically every single month. Everything was one lump sum and then they paid out of that lump sum. They individually disbursed the money to the creditors. Every once in a while, they would send me emails to do financial check-up and they wanted to do phone conversations about healthy budgets and healthy spending. I never utilized those services, but they’d be very helpful.

    The service cost was also well worth it. In the end, I possibly could have called my creditors myself and negotiated my interest rates on my own and save myself a monthly fee and have the $700 something in fees, which honestly, it’s not that bad compared to the interest I would’ve paid had I not done it. I could have maybe possible saved myself $800, but I really have zero complaints about the fees to the result that they got me, with the low interest rates. It was honestly worth it. Cambridge was easy to deal with and their people were professional. If I had questions, they were prompt in returning my calls. Then, the whole process was supposed to take 4 years, but I ended up upping my payment, and I got it done in about three. I shaved about a year off and I am done. Now, it’s really nice having that money back in my pocket every month.

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    Reviewed Oct. 6, 2019

    At the time I was talking to one of my credit cards, Capital One, they referred me and gave Cambridge's number. Cambridge was the first one I called and I figured being that Capital One recommended them then they would be a legit company. The Cambridge people were very good and everybody I talked to was very helpful. They sent me things many times if I wanted to check on something and then I would get a return call, and I didn't feel I needed to 'cause I would call them periodically and talk to them. So, being in the program, I paid a monthly payment then they got in contact with my creditors and they handled everything. I just paid them one monthly payment, which automatically came out of my account, and then they took care of it. So, it has worked for me.

    One time, on one of my accounts that I had been paying on for almost 3 years, I noticed that the interest wasn't going down like the other ones were. So, I called Cambridge back and they said another thing off, and then that company dropped the interest down by 12%. I wondered why it didn't happen at first, but I don't think it was Cambridge's fault.

    At present, I'm done with Cambridge and it really worked out well for me now that everything is all paid off. It also didn't hurt me at all to go through the program. I knew that if I were to just pay them myself, I'd probably still be paying them. I would recommend Cambridge to a friend as well. If you got the income, which I fortunately did, to where you can have it and do it automatically like I did, although I'm not the same with all of their clients, then that way you don't have to worry about it. The money's coming out, and that was it. It's periodic. I am here in Oregon and I was skeptical at first. But Cambridge was very good and every month, they sent me a monthly statement with everything on there and what they were paying. So, they were good to me.

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    Reviewed Sept. 26, 2019

    Somebody gave me Cambridge's number to get help and it was the first number I was given. The Cambridge counselors were all friendly and nice and I went with them. I felt very comfortable from the very beginning. They sent me a paper to fill out every month to see if I was coming along better or how things were going. I filled out the paper and mailed it back in. They also gave a number to call if I needed any help at all.

    I had them help me pay off a couple of bills because the companies took my interest up so high that I couldn't handle it. I only had one payment to make to Cambridge and they took care of 3 or 4 bills so I didn't have to worry. They automatically took my payment out of my bank every month, and with a lower rate of interest, almost none. But I had to pay them a fee and $20 is all I paid them every month. Now, all those bills I turned in to them are paid, I also paid off Cambridge, and I was very satisfied. Cambridge paid off my debts, which I would’ve never got paid off. They made me feel good. I had some help, and I got the help that I needed. So if someone would ask me, I would tell go with Cambridge as well.

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    Reviewed Sept. 19, 2019

    My husband and I were listening to an AM radio at night and I always heard this guy who was a local in Cleveland. I trusted the guy because I had listened to him for a long time. He mentioned debt relief with Cambridge so many times that I decided to do it because I couldn’t do it by myself because the interest rates were getting way too high. I had $70,000 debt and I couldn't even believe I had that much to pay off. I made a mistake of letting somebody else use my credit cards so I learned a lot.

    While with Cambridge, I didn’t really work with a counselor although there was a counselor named Brian back in February 2015. I talked to him when I signed up. Other than that, nobody checked on me to see how much spending was coming or what I was doing. I just knew that if I didn’t do this, I would never do it. Once in a while, I would call them like when I called to change because I couldn’t pay on such and such date my payment was due and that I would do it before the five days. I would always get so many different people. They were very nice every time I talked to them. A couple of times when I had to change my payments because I was out of work for a while, they were a little strict. They would tell me that this would change my interest rates. That worried me but they were good. All of it was a really good experience.

    The cost of Cambridge was very fair. And just them helping in getting the interest rate down was very great too. Just the relief to be out of debt has impacted my life. I never thought I could get out of debt that fast for that amount of money. It came in perfect timing because I ended up having a brain aneurysm last month. I didn’t have to worry about a payment coming up. I’m since retiring now from my company that I’ve been with for 34 years and I’m able to do that because I’m not in debt anymore. I know too that I can never have a credit card ever again. I know I will never get one again because I know how quickly it is to get in debt. I won’t step in certain stores that did not lower the interest either. JCPenney was at zero percent interest. But as far as the other companies that wouldn’t go below 10 to at least 7 to help people pay off their debt, I will not honor those stores anymore.

    The only thing with Cambridge is they don’t really advertise. I only heard about it on a radio talk show. I’m a flight attendant and I have a lot of friends that are in debt. When I mentioned Cambridge to my friends, they were like, “Who are they?” Cambridge is really a reputable company and I know that. But you’re leery at first because you’re afraid that you’re gonna get duped. But I just knew I had no choice because my credit cards were maxed and I had nowhere to go. Cambridge should advertise better.

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    Reviewed Sept. 17, 2019

    Cambridge's service was excellent. They really helped me out. I had large credit card bills that I couldn't pay and I decided to work on those with Cambridge seeing that the company was recommended by the lady who does a lot of credit counseling on TV. I enrolled, went through an easy process and then they provided debt consolidation service. It was all seamless. The payment was just deducted from my checking account. I got enrolled around five years ago, and for a few months now, I have completed the program. I am immeasurably relieved that we got rid of those debts. I would absolutely recommend Cambridge.

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    Reviewed Sept. 16, 2019

    Wells Fargo allowed somebody to access into my account. Somebody put money in, then took money out, and the woman who was assigned to do the research said that it came from some banking associated that nobody has ever heard of. She sent it right back, and she didn't do her job. So every time they open another investigation they have not been very satisfactory. Cambridge is a fabulous service. The service charge I pay is $7 a month, and I get so much for that: the customer service, responsiveness, support, willingness of anyone and everyone to speak to you about your goals and progress, and the constant request that if you would like more help, you can certainly have it. They don't force you to take it, but it is always available. It’s a great place, too. I like the whole thing about Cambridge -- everything appealed to me. I would recommend Cambridge to anyone.

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    Debra increased rating by 1 star.
    Customer ServicePunctuality & SpeedStaff
    After a positive interaction with Cambridge Credit Counseling Corp., Debra increased their star rating on Oct. 2, 2019.

    Updated review: Oct. 2, 2019

    The company responded to my complaint which means that they actually pay attention to the complaints and look into them to determine how to resolve them if possible. Hopefully the rest of my debt resolution goes more smoothly. This is truly a worthwhile organization and like any business there are hiccups. Most all of the reviews that I have read have been really good. I would more than likely use them again if needed as they are not for profit so in general you will get a more fiduciary experience.

    Original Review: Sept. 13, 2019

    I set up my account with Tina **. She did an awesome job of explaining the process and I felt greatly relieved at that time. Tina ** told me that I could call her at anytime if I had any problems. I did have a problem with one creditor and was told to contact the creditor and make sure the address was correct which I did. The creditor had left off my apt #. Had it corrected and called Tina **'s number and left her a message that it was corrected and Cambridge could contact them. Never got a response, so I called again and left another message on her voicemail.

    Fast forward a month later, still getting calls from the creditor and Cambridge hadn't contacted them. Called Tina ** and she finally called me back. She told me that I needed account services and transferred me. The girl that answered (didn't get her name) listened to what I had to say about the issues. Needed to update my address, so I was waiting to see if she was ready and she asked me if I was going to update it. I explained I was waiting for her to be ready. Then later, she misspoke the numbers and when I corrected her, she said that she had said it correctly, when I replied that I wasn't going to argue about it then she started arguing about whether she was arguing. It just wasn't very pleasant. I may have been short as I was unhappy with the lack of response from the get go however I am sure that she has had a lot worse conversations.

    The main issue is that customer service rep didn't bother to hang up the phone before she started ** about the phone call to her co-worker. Totally unprofessional. Also the people that set up the initial accounts should tell us that we will need to contact account services and not them. I had specifically asked Tina ** if I called her or another number once the account was set up and she had told me I could call her anytime. Had I known who to contact, I would not still be dealing with a creditor that should have been contacted by Cambridge before now.

    Overall, due to the conversation today with that customer service rep, I have lost a lot of respect for your company. I go to you for help and get flack. People are already stressed when deeply in debt and your reps should be trained to deal with people that are unhappy. If you listen to the phone call, you will see that I wasn't rude or nasty, just upset.

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    Cambridge Credit Counseling Corp.
    Response from Cambridge Credit Counseling Corp.

    Our main goal at Cambridge is to provide excellent customer service in assisting our clients with their accounts, unfortunately, this did not happen on your account and we truly apologize. We will strive to do better and ensure that this never happens again. We appreciate your feedback and look forward to assisting you better in the future.

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    Reviewed Sept. 10, 2019

    Enrolling with Cambridge was easy and I didn't have to do a lot of paperwork. I interacted very well with my counselor. In the beginning, I was on the phone every five minutes asking questions and all kinds of things. Originally, I worked with Anthony in California. But then, they switched me to Cambridge in Boston. When I called them and asked questions, they answered too.

    One thing I didn’t understand at the beginning was that they were going to call all my creditors. I ended up calling them all, trying to set up dates for payment. That time, everybody was cooperative except there were a couple of companies that didn’t cooperate. Sometimes I had misunderstood that I was the one that had to call and get the dates straightened out. That's when they told me I wasn't supposed to do that. Cambridge's rep then asked me what I had arranged and then he went to the two companies that were giving me trouble.

    Cambridge did a good job working with me on my payment plan. They set up a date when everything would out of my checking account and they made the payments for the next month. It was just good timing ‘cause that’s when I got my checking. My Social security came in at the end of the month too, so it all worked out well.

    However, I was paying and still getting educational. Cambridge was charging me $50 for that and I really didn’t feel as though after a certain period of time, I got anything at all for my money. Still, everything else was okay. Working with them completely changed everything for me. During that period of time I was with Cambridge, I learned how to manage my money, take care of myself and budget.

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    Reviewed Sept. 5, 2019

    I was in debt and I wanted to pay off a few bills so I got Cambridge's service. They asked me and I told them the information. They were nice. I've been with them for about a year and they paid the two bills. The payment plan is good. There was no high payment, and I was very comfortable with it.

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    Reviewed July 27, 2019

    Somebody had recommended Cambridge to me and my experience with them was very good. The enrollment process was very easy. I just met with a counselor over the phone, told him what we wanted to pay off, and it was very smooth. The cost also was appropriate. I've completed the program and our credit score has gone up.

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    Reviewed July 23, 2019

    I reached out to Cambridge because we had a couple of our credit cards and a couple of credit lines that had been sent to collections. I was a stay-at-home mom and we weren't making enough money to pay them. I kinda looked at something that would help and Cambridge was one of the first ones that popped up. I reached out to them and it sounded like a good plan, and it was. The enrollment was really quick and pretty pain-free. They took all my bills, looked into my account, put it all into one payment and made the payment through them. They provided help to make it so that this doesn't happen again and ways that I can be saving money. The payment was high but it would have been higher paying separate individual bills through our own.

    In the beginning, I spoke with them a lot with concerns about everything. I was nervous and I didn't know what I was doing that I probably asked my rep questions that I probably should have asked somebody else. But he always helped and took care of me. He was always available when I had questions especially towards the end when I was finishing up. I also enjoyed not being pestered so much. They kinda backed off a little and just let us reach out if we needed them. Now, we're out of debt for whatever we had debt at that time and we were able to build our credit and buy a house. We make better decisions now with credit cards. We have one major credit card because we have a house and we need it for backup. But other than that, we try to save our money and pay cash or nothing.

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    Reviewed July 17, 2019

    I had too many bills and it was like I couldn’t get them paid down because I was just paying the minimum amount each month and I wasn't getting anywhere. I had a friend that worked with Cambridge years ago and she told me about them. She was very pleased ‘cause she went with them twice so I thought to give it a shot. They took all the bills that I wanted them to and they called all the people. They gave me a flat rate that they were gonna take outta my account every month.

    The only problem that I had was I had one bill that they said took them a while to negotiate. But in the meantime, I was getting late charges and the creditor was still sending me threatening notes so I tried to talk to them personally about it. Then I called Cambridge and they told me to send the creditor a letter. It was finally resolved but after many months. For the rest, it was a relief not to have to take care of every one of these guys every month and the interest being so high. The program went very smoothly. I thought once you go to credit counseling, your credit’s screwed. You might get the bills paid off, but you can’t ever use a charge card again so I did keep two bills that I am still paying on, and I use them every month. But other than that, everybody’s paid off.

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    Reviewed July 16, 2019

    Cambridge really helped me a lot to consolidate everything, take the pressure off me and put things in perspective as far as getting my debt paid off. I was in depression about the debt that I had and I couldn’t afford to pay for it when they retired me. I was on a fixed income. Cambridge was just exactly like it was told to me that it’ll come a time when I’ll see my debt go down and down and down, and then at the end of it, I will have relief. I went with Cambridge to help me through this process because of word-of-mouth. I also went on the website and read all that was going on with the company and how they conduct everything. Part of it was also talking to the representative ensuring me that I will be able to get relief, and it wasn’t outrageously costly. I trust in the sense that my grandmother always said, “You go with your intuition and you trust your first thought.”

    I completed the program and as far as enrolling, it was not complicated. It was very simple. In the beginning, my coach led me along the way. They kept in contact with me and let me know that if I had any questions or anything, to contact them. And I would just be questioning once every few months to find out where I was at. They were there every step of the way, and that’s the best thing I loved about it. They didn’t leave me hanging. Cambridge made my life a whole lot at ease. It gave me a peace of mind that I can see the light at the end of the tunnel. I was very blessed to be able to not have to worry about debt 'cause life changes for people within a blink of an eye. You could be riding high on sunshine and rainbows and the next thing you know, here comes the storm, tornadoes, and earthquake. And it was like I felt the floor was taken from up under my feet. Now I can walk on the floor sturdy and I can keep going. It is such a relief.

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    Cambridge Credit Counseling Corp.
    Response from Cambridge Credit Counseling Corp.

    Hi there, Sharon. That's great advice from your Grandmother and we're happy that it led you to be debt-free! We understand that debt can cause all sorts of negative feelings and it's hard to take steps to address those financial issues, so we'd like to congratulate you on completing our program. Your hard work certainly paid off. Please call us if there's anything else we can do for you. Best of luck!

    Staff

    Reviewed July 11, 2019

    I just signed up today! I was contacted by Tim **, who helped me through the whole process of enrollment. He was professional, patient and answered all million of the questions I had! I am very happy so far and feel like I have a huge weight lifted off my shoulders. $22,000 will be paid off in less than 3 1/2 years!!

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    Cambridge Credit Counseling Corp.
    Response from Cambridge Credit Counseling Corp.

    Hello, Amanda. We're glad that it's been smooth sailing so far on our program. Our counselors approach each client without judgment because financial issues impact more consumers than you think. Now that you've signed up on our program, keep at it! If you follow the budget outlined by Tim and utilize our financial education resources, you'll be able to start saving money as you progress. If you have any more questions or feel like you might be late on a payment, please call our client services line as soon as you're able. We'll be happy to help you as much as we can through this process. Three and a half years will be over before you know it!

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    Reviewed July 9, 2019

    A friend told me about Cambridge. I called them and the enrollment was quite easy. I did everything over the phone. Then, the rep who helped me throughout the process was very informative, patient, and kind. I have finished with the program. They paid off all my cards and helped me get out of debt. I was very pleased and satisfied.

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    Cambridge Credit Counseling Corp.
    Response from Cambridge Credit Counseling Corp.

    Hi Theresa, thanks for taking the time to review our services! It's great that you've finished our program and you're now debt-free. We hope that you've started to build up your savings with any of the extra money that you have each month. It's very important to have an emergency fund in case something unexpected happens like a car repair or a medical expense. We want you to be prepared for any financial emergency!

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    Reviewed July 4, 2019

    I got some credit counseling from Cambridge and it worked out great. I told them what I needed and they told me the cost and then they took care of the rest. They figured out what I could afford to pay and how long it would take me to pay down the debt that I had. And then we came up with a monthly payment amount. If I had any questions, I would just call them and give them my account number, and then they would connect me to the person I was dealing with. It was very well-organized. Thank you for your service, Cambridge.

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    Reviewed June 30, 2019

    The enrollment process of Cambridge was great. They explained everything step-by-step. They asked me what bills I'm trying to pay off, and they explained to me the process, and how it's going to work and how many years it's going to take me with the amount that I'm paying every month. I completed the process and I no longer owe anything. I'm back on track with my bills. I even omitted all that credit cards. I only have one card, and I maintain that card with caution. Completing the program has made me feel absolutely wonderful. I got a certificate of completion. And I maintain my bills much better now. The cost was great too. I get my statement every month. They put me onto a counselor who I could talk to, to show how to maintain my bills, my credit card, and everything. So it was great. I had no problem. I recommend all my friends at my job who have problems with bills to Cambridge.

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    Reviewed June 29, 2019

    Somebody that had experience with Cambridge recommended them. Some of my debts were getting behind. I wanted to pay, but I needed a way that I could afford it. They helped me with all of that and did a wonderful job. They were efficient and kept me abreast of what was happening and how they were handling the account. They always sent me a copy or records of what was going on. The program took about five years to complete and it helped me out a lot.

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    Customer ServicePunctuality & Speed

    Reviewed June 27, 2019

    After 2 years working with them and me turning my life around, increasing my income by over 50 percent, paying off both our cars and our house, working on my credit score, no late payments, no new credit purchases, doing everything I could for 2 years and not one bad mark, I thought it would be time to work with them and speed the process up by adding more more to my monthly payments. I called, sent emails, no reply. Then last month I get a 30 day late payment from one of the account they are paying on my credit report and it drops 60 points, and I think a late payment stays on your report for 3 years. I hope only 3, I heard 7 years also. I am checking tomorrow to find out.

    I have been calling them and sending emails for weeks with no response to my emails at all, nothing. When I call a lady answers and says she will check into it and have them call, be right back. They never call back, 3 weeks now. And it was a 30 day late payment. So 30 days and another 3 weeks makes 51 days. They knew the payment was late and have not tried to contact me at all. But they still take their money out of my account. Terrible company. Run, run, run, far away. Don't responded to their emails or their promises over the phone because when you need them they won't respond either...

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    Cambridge Credit Counseling Corp.
    Response from Cambridge Credit Counseling Corp.

    Rennie, we want to congratulate you on the many positive steps you’ve taken to rehabilitate and improve your credit. You are certainly making a great effort to address your past issues. We should take a moment to examine your account history and explore a couple of inaccuracies that were included in your review.

    First, you did not send us any emails that went unanswered for three weeks. Our records indicate that you called us on June 21 and that you sent us three emails on June 27, to which we immediately replied. These emails and your review were submitted 6 days after your initial call, which was to inform us that you had received a late mark from one of your creditors.

    In response to that information, we had advised you that we would research the account and call back once that work was completed. (Cambridge does not receive monthly statements from our clients’ creditors, so we rely on clients like you to keep us abreast of any unusual developments, just as you had done.) Though we had reached out to the creditor involved, the issue had not been resolved within the 6 days that transpired between your initial call and subsequent emails.

    Cambridge’s client services manager has emailed you, but you haven’t replied to her messages. Instead, you’ve sent us two additional emails complaining about the original issue, alleging falsely that we haven’t responded to you. This is simply untrue. In fact, we completed our research on your account and rectified the problem. When we tried to inform you of this, you did not respond.

    Last year, you missed a payment. This caused your account to fall behind, but not a full 30 days behind. In June, it finally went over the 30-day mark, which we discovered when we sent the creditor what was supposed to be the final payment needed to pay off the account. Your creditor also performed a full review of your account and credited you a significant amount of money. They also “re-aged” the account, bringing it current.

    While we completely respect the effort and determination you’ve put into improving your credit, there was nothing Cambridge could have done to avert the damage done by the payment you missed. Our work in the aftermath of that missed payment did take longer than the 6 days that elapsed between your messages, but your patience was needed for us to complete our work on your behalf, which we are pleased to report was successful.

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    Reviewed June 20, 2019

    I wanted to consolidate my debts and get rid of one of my credit cards. After reading a few reviews which said that Cambridge was good, I enrolled in their program. The rep told me Cambridge could help me cut down my debt and that it'll show in my credit report that I'm paid off. She said she can lower my monthly payment and can get it where I would pay less over the course of the year. But I ended up paying $5,000, double of what I owed which was $3,000. I could've settled with GE for $2,200 or less. All in all, it was a horrible experience. I thought I would be paying less but I paid more over the course of time. I wanted to cancel it but I was in a contract that I didn't know of. I wasn't happy with my experience and I wouldn't recommend Cambridge to anyone.

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    Cambridge Credit Counseling Corp.
    Response from Cambridge Credit Counseling Corp.

    Dieresha, as you know, Cambridge Credit Counseling is not a debt settlement company. The debt management program we offer was explained to you and a detailed Service Agreement was provided in writing before you chose to join our Debt Management Program, or DMP. Our Debt Management Plan Summary, provided to you before your first DMP payment, disclosed the amount that would be repaid throughout your tenure on the program. You successfully completed your debt management program and paid off your debt in a timely manner. We were happy to assist you in that effort, facilitating lower interest rates that allowed you to pay much less over time than you would have paid on your own.

    After reviewing your account notes, we saw that you contacted us twice regarding the issue referenced in this review. Again, as our phone and file records clearly indicate, the details of your DMP were thoroughly explained to you. You were advised on several occasions that you could cancel your DMP at any time without penalty, and we provided instructions on how to do so. (Our program is voluntary and a consumer can cancel the program at any time by requesting it in writing through mail, fax, or email, without owing Cambridge any money.) This information was provided to you in July 2015 and again in September 2017.

    If you were truly unhappy with our services, you could have canceled at any time, yet you chose to remain on the program and then completed it successfully. You’ve claimed that you paid more over time than you would have if you had settled your debts, which is likely true. (Debt settlement companies charge very high fees and there are often significant tax liabilities on the amount forgiven, so true “savings” through a for-profit settlement company are hard to achieve.)

    Beyond that fact, settling your debt would have negatively affected your credit report and credit standing.

    Before you joined Cambridge’s debt management program you were paying approximately 22.99% in interest. Through our program, that rate was reduced to an average of just 15%. This allowed you to repay your debt safely and responsibly, with your creditor's approval and without the threat of lawsuits. That is why debt management plans are popular and successful – they allow clients to experience peace of mind and save money.

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    Reviewed June 19, 2019

    I travel a lot for work and I was making regular payments to credit cards. And because I wasn’t home to look at the bills, I got myself into a situation. I wasn’t paying them on the right days so the amount started to get out of control, and I wanted to get away from all the credit card debts that I had. I did some internet research and came up with Cambridge Credit Counseling. I had found some good recommendations online, and I was comfortable that they were a safe and reliable resource. The enrollment process was very simple.

    Cambridge has a great program. They were very clear, they communicated really well, I got regular messages and emails, they provided regular feedback, they checked in to see how other things were going, and they offered additional resources. And at the end, they came back to see if there was anything that they could do for help. So, it’s very thorough. The program helped me get out of that situation that I managed to get myself in. There were very much emphasis on education, not that I didn’t already understand what I had done wrong. So, they made sure to help you understand how to avoid the pitfalls in the future.

    I have completed the process at this point. Cambridge did great by way of explaining and discussing the process with me and they were very reassuring with what would be a good resource and good help. They let me know everything that was happening all the way through. There weren’t any negative aspects to the program. It was all really good. I would recommend Cambridge to other people to use it because they were great. I hope I never have to use it again, but I had a good comfortable level with them.

    As for the payment plan, I was set up with the auto pay deduction. They set it all up, told me what the amount was gonna be, when it was gonna come out, and it happened routinely at the same time. They would update when things changed with balances with the credit cards that I was covering like when things were paid off. Also, the cost was low. The savings on the credit card interest fees was huge. Cambridge was really helpful and easy to work with. Working with them helped me get out of the really sticky, ugly situation. It would’ve been a lot harder for me to do on my own. I never had that problem before, so having somebody who did know how to navigate it was helpful.

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    Reviewed June 18, 2019

    I had a bunch of credit cards that was gonna take my whole life to pay off. I wanted to try and get out of them so I signed up for Cambridge Credit to help me through it. They set up a program to reduce the interest on a lot of my credit cards and got the payments down lower. Right now, they are taking the money out of my checking out and doing the payments for me. They did a lot for me and gave me a lot of different programs that I can get into to get discounts at different places. It made a big difference in the financial end of my life. In terms of working with their reps, I felt comfortable. They did everything and I didn't have to do anything. I just let them do what they had to do. Cambridge is a good place to do business with.

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    Reviewed June 10, 2019

    I had a 400-pound table fall on top of me and trapped me for 12 and a half hours. My leg was numb. I was in the hospital and I had all these hospital bills. The ambulance service in Tallahassee was like $400 and I had to go twice. Collectors call and harass you. They’re entitled to their money. I have no problem with that, but I just couldn’t do it. I wasn’t working. My son kept saying to send everybody $5 a month, but I couldn't do that.

    I started out calling the Better Business Bureau and they referred me to Cambridge Credit Counseling. A lot of those other companies squash your bills but then they really don’t. They cut them in half. I could negotiate that and wouldn't need anybody else. Most of them charge a fortune too and they're not really legitimate. I called Cambridge with the mindset that I could say “no” if I didn't like them. But I thought they were wonderful.

    I had a very easy enrollment process. There was a lady named Tina who was wonderful. At first, they sent me a thing saying it was gonna cost $40 or $50 a month. I called Tina back and I said that I couldn't do that. I might as well just the send the $50 every month to a bill collector. She said that was a mistake and they cut the cost down to $10 a month which was affordable. I thought it was very reasonable. $10 a month for peace of mind and not having harassing phone calls, I’d pay more for that.

    My counselor was absolutely wonderful too. If I had any questions, I always asked for her and she answered. In fact, I've sent several people to her. Cambridge sent me a letter thanking me for referring people to them. There was only once where I called and the main person that answered the phone was kinda curt. But it could’ve been my demeanor, too. I completed the program with Cambridge and I highly recommend them.

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    Reviewed June 9, 2019

    I was maxed out on my credit cards and Cambridge put me on a debt management where they just paid off my credit cards. They set up a payment plan, and they automatically deduct that from my bank account every month to pay off the bills. I’ve completed the program and their service was good.

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    Reviewed June 8, 2019

    I used Cambridge in the past and they did a good job. Their program is very useful if you’re trying to get your life back on track from debt. The enrollment process is easy as long as you know what you owe. To get the ball rolling, you either give them a call or an email and they will get in contact with you. The case counselor does all the hard work for you. I got to talk to them probably three times when it started and then, they sent me an email after I completed the program, which was two months ago.

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    Reviewed June 7, 2019

    I started with a different company, and that company sold out and transferred everything to Cambridge. I went into credit card consolidation and they set up the payment plan to come out automatically every month. Working with Cambridge got rid of the debt. It’s nice to know you don’t have it anymore.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed June 6, 2019

    I got myself into a fix with my credit card, and my boyfriend went through Cambridge. He referred them to me, and I went with them. I was with Cambridge a couple of times, and they were wonderful. They helped me out big time. They were very nice and very attentive. They got me down in a good amount of time, and out of debt. They didn't take too much money, so it was nice.

    When I reached out, they responded very quickly, and they got right back to me, so I like that. They got the rate down pretty good for me, which if I had to pay the credit cards off, I’d still be paying them. I’d have never gotten out of debt. I’d have just been paying interest. Cambridge was very good. I just finished with them last summer, and I’m not as stressed as I used to be.

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    Reviewed June 5, 2019

    I found Cambridge Credit very reliable and helpful. I just moved to a new apartment and I didn't have a job so, I needed help. They laid on it for me and I got consolidation. I was on the program for a year and it got me caught up. I was able to pay it off early. They worked with me on a payment plan. I was very comfortable working with the counselor and the customer support was awesome. With Cambridge, I watch my money better. I also watch what I buy and go for the needs more than the wants. I would recommend them to anyone struggling or having a hard time. They make it so much easier to deal with.

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    Reviewed June 4, 2019

    Cambridge was a great group to work with. We were very happy with them. They were very helpful and easy to work with. We resolved about $55,000 worth of debt and I've recommended them to many people that I know. When I was looking for a program, a lot of my friends had gotten scammed into those, "Don't pay your bill. We'll settle it for 2 cents on the dollar," garbage. I used some of the information on the site of the National Federation of Credit Counselors. I used some of Dave Ramsey's and Clark Howard's information about how to pick good programs to work with. That's how I ended up zeroing in on Cambridge.

    The recession had destroyed by husband's business and we had to sell our house that we loved. But we didn't get any of the money we should have had from the equity we had. We lost about 50% of the value of the house so it was a very tough period for us. Before the recession hit, my dad died and my mom went blind and had to move in with us. We had to fix their house up and sell it. We put all of that on the credit card. Before we fixed the house up, the realtor told us what their' house would be worth. But by the end of the year when we finished fixing it up, it was worth half of that. So there was no money to pay us for what we had laid out for them and my mom has needed all of it.

    We ended up with this huge amount of credit debt. It was $65,000 worth. It was about $1,900 a month that we were paying on our own and the interest rates were over 20%. Some of them were 25%. It was horrible. I knew we owed these people the money but it was the interest that was killing us. Trying to keep up with it was just insane. Some of them Cambridge got down to 0%. Some of them they got down to 2 or 3%. We were looking at trying to pay it off on our own but it probably would have been 20 years if we've been able to do it.

    Cambridge was a big help. The jobs that we ended up finding were only about half of what we had been making before but Cambridge has a financial hardship program, where they reduced the monthly fee for us in half which was very helpful. So it's normally $70 a month to do it through them but on the financial program, they got us paying $35 a month. We finished the program a couple of months ago and my husband is gonna be retiring next year. I have to keep working and we'll have to be careful. But at least he won't have to have to keep working. We also got rid of the mortgage. We live in a dusty, renovated mobile home on a cheap farm in Kentucky now instead of a golf course in South Carolina. But it's cost us a 10th of what it did to live where we used to live. We hope to not have to ever use the credit cards again.

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    Reviewed June 2, 2019

    Cambridge Credit Counseling was recommended by a family member who was trying to help us out of a touch situation. We had a lot of credit card debt, and they did it really simple and easy. They gave us good tools for a monthly budget, and they did all the legwork with the credit card companies. They had us set on a fixed and easy plan. It was tough to do monthly, but there weren’t any variables anymore, so it was just a debt plan, and it had an end date.

    At one point, we had to call and see if we could get the monthly payment reduced because my wife switched jobs, and they were able to work with us on that. So, all in all, they made it a very easy transition into eventually getting out of that debt. We had one specific person at the beginning. But when we called and had questions, they were able to help us. It was all very easy to work with them, and we finished the program now. It was absolutely worth the cost. I’d definitely recommend Cambridge to anybody that I know going through the kind of times we were in.

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    Reviewed June 1, 2019

    We just completed the program with Cambridge. They kept part of the money in May, and we didn't have to pay them anything this month. So, we're free. I did a lot of it online at first and then the credit bureau went. Everything went right and we got it all paid off. It was a pretty good experience. But I didn't hear from them for a long time. They didn't call me and I wished they had because I had no communication with them.

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    Reviewed May 30, 2019

    I've had Cambridge before and they did very good service for me. The enrollment process was pleasant and I went through it before, so there was nothing unusual. I got my certificate and everything has been fine. The counselor was very nice and professional. Plus, the payment plan was very efficient. Also, the cost was excellent against the quality of service that I received from Cambridge.

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    Reviewed May 27, 2019

    I had too much credit card debt when I called Cambridge to enroll and the process was pretty simple. I spoke with a counselor who told me what I needed to do. I was in the credit card consolidation program for three years. I paid one fee and they negotiated on the lower payment. There was one lump sum that I paid to them and monthly, they repaid all of my creditors. I’m done now and I’ve definitely reduced my credit card debt so that was a plus. Everybody was real nice too. I would get updates about my budget, where I was and the importance of doing a budget then they would check on me. So they were very helpful and thorough. I’ve even recommended them to a friend.

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    Reviewed May 26, 2019

    My son took off and left me with a lot of debt. Some of these were his bills because I co-signed for them. But I’m on social security and I draw a union pension. I figured if I paid one off, the other wouldn’t be done and charging more interest. So I feared my best bet was to try to do something where I can pay so much a month without leaving me enough money to buy groceries.

    But Cambridge took it off my hands. They talked to me about what kind of money I got a month and how much I would be able to let them take. They checked with me to see how much I was having to pay out for my housing and my electric and water bills. They took all that into consideration in determining how much they could get out of my account to pay these other bills. Then they take so much out of my check a month to pay on the bill and and that made life easier on me. Once a month, I knew the money had to come out and I could always take it off my checkbook when I got my checks so I knew that money was there in the account with them.

    Cambridge took a lot of weight off of me because I’m getting older and I was being pulled right and left. They kept the creditors from driving me nuts. I was getting calls and some of these business that were calling me, I didn't even remember ever doing business with them. That’s how bad it was. At this point, I had gotten most of the debt paid off. With Cambridge getting the money out, paying it and then sending me the thing showing that they paid it, that works for me. They sent me a thing showing me how much I owed and how much they paid on it. And each time, it would definitely show that they had been taking it off until there was nothing left. They even showed me how much was still left on for each time that they do it.

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    Reviewed May 25, 2019

    I owed about $8,000 on five different things and Cambridge paid them off in three and a half years. I paid them $200 a month and they took the interest off completely. They also taught me how to pay some off on my own and how much money I should put away every month for myself. The enrollment process was nice too, because it was only a $35 fee and that was it. It wasn't a rip-off and they kept sending letters every couple of months with questions on this or that, if you wanna add more or if there's any problem. If you call them, they're also right there. They have all your accounts in front of them and they answer any questions. They were really good. Everything was going smooth.

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    Response from Cambridge Credit Counseling Corp.

    Congratulations, Edward, on completing our program! It's great that we were able to work with your creditors to get your interest rates so low. Our monthly fees are regulated by state laws and the debts that are brought onto the program, so they vary from consumer to consumer, but as a non-profit, we try to keep them as low as possible! Thank you very much for taking the time to tell us about your experience.

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    Reviewed May 22, 2019

    Cambridge Credit Counseling was very thorough and they seemed very nice. Everybody took care of me when I would send emails and the payment plan is very reasonable. Working with them makes me feel really good. It gives me hope for the future.

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    Reviewed May 19, 2019

    I needed to consolidate some credit cards, and Cambridge was recommended to me. The enrollment process was fairly easy. I'm visually impaired, so is my husband, so they had to help us fill in a lot of the criteria, but it went smoothly. They were receptive. And I'm finished with the program. Working with Cambridge helped me take care of some debt that I wasn’t able to take care of myself. And we closed some credit cards down.

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    Reviewed May 18, 2019

    I had a credit card that I was trying to get rid off, and I didn't wanna go bankrupt. So, I consolidated. I quit using it before I could pay it off. I had no problem after I enrolled with Cambridge. They did what they said they would do. And I paid the card off this year. Cambridge was really nice. If I had to do it again, I would do the same thing. The only thing I didn't really understand was I was paying $273 a month, and they were charging $10 for something that wasn't with the account. I don't know what it was, but I never questioned them because I figured, if they charge $10, it was for a reason. Other than that, I was satisfied.

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    Reviewed May 17, 2019

    Cambridge consolidated all my credit cards into one payment. It was very easy to enroll with their program and I was able to eliminate my debt. The reps were always very nice and helpful. They were able to go the extra mile as far as emailing me any information I needed. They either would assist me by email or over the phone. It was always pleasant and helpful. They worked it out where I was able to make the payment. Cambridge helped clear up my debt. I would recommend them.

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    Reviewed May 16, 2019

    Cambridge got rid of the interest and made it possible to pay it all back, and I did. Getting started with their program was easy. They did all the work and the payments. I just followed the payment schedule. Their counselors were very nice people. They would call me every few months. They'd send emails or call, and we talked every now and then. It was a nice experience. Cambridge was very helpful. If you get in a bind I was in, try it.

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    Reviewed May 11, 2019

    I would recommend Cambridge. Their service was good and their payment system was a little bit easier to have. Specifically, I liked the automatic withdrawal. After I cancelled the automatic withdrawals, they didn’t take personal checks, so it was hard to send the payment because you had to get the money order. Other than that, their reps were all nice. The process took me four years and the cost was doable. Since working with them, I no longer have credit card debts.

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    Reviewed May 10, 2019

    The people at Cambridge were very nice. They responded when we called them and everything was good with the enrollment process. The rep that I worked with was friendly. I was comfortable with the process. They would send us bills by mail, which is good because we like to get mail and knowing what are bills are. I’ve completed paying all my bills with Cambridge. Their program made it easy and manageable to pay my bills.

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    Reviewed May 5, 2019

    The hardest part for me was to finally Make That Call, but I did. I am still happily reeling from the great news that this corporation has helped me to achieve. I have come so far and it was only with the help of these great folks. I can't wait for others to experience what it's like to pay off hefty credit card bills plus the interest rates that can be crippling financially. Learn what it feels like to be "out from under" the pressure of what could happen without the proper help and guided experience of the people of Cambridge Credit Counseling Corp. Let them help you and see for yourselves, get the help that is as close as the 1800 number, why wait, just one conversation and Boom, you can be on your way.

    What has it already cost you, just think and consider the other outcome, the better outcome for yourself and your life. Reach for the phone, within minutes of instructions, that are easy to understand, you too can be free of hurtful, harassing or threatening phone calls. Let the experts of so many years of experience handle that part. The steps you need to take are few because with the call that you make, your new life of financial freedom begins. Don't waste any more time fretting, get busy, get the phone and good luck!

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    Response from Cambridge Credit Counseling Corp.

    Hi there, Kara. We couldn't have said it better ourselves! We completely understand that picking up the phone can be the most difficult part of the process. Facing your debts can be hard, and we're proud that you were able to confront them! We're thrilled that you're debt free now and we hope that you'll use this new financial freedom to start building up your savings. Please take advantage of our financial education tools and worksheets on our website.

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    Reviewed May 4, 2019

    Dennis, my counselor at Cambridge Credit, was very persuasive and he talked me into something I didn't need. So I rushed to a judgment that I didn't need to make and it was a mistake. Then I found out that I didn't need counseling, but once when I was with Cambridge, I just proceeded on and continued with their services. I was with them for three years. I only had one issue with Cambridge throughout the time I was with them. Cambridge got me to lower my payments, but they did not optimize my credit score in any way and they had three years to do it. I wrote to the credit companies myself in the last eight months and I boosted my score over 150 points on my own doing. I would have been better off not using Cambridge Credit.

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    Response from Cambridge Credit Counseling Corp.

    First, we would like to congratulate you for completing the payoff of your accounts through our debt management plan. That kind of relief, and our counseling, are the focus of our business. We are not now, nor have we ever been, a credit repair company.

    Your program was scheduled for an approximate 38-month repayment term, and our records show that you paid off your $17,750.00 debt within just 30 payments! That is quite an accomplishment and we are so happy for you.

    All Cambridge calls are recorded. Upon reviewing the calls between you and your counselor (Tim, we don't employ anyone named Dennis), we discovered that he did explain the program to you thoroughly. In the call between you and Tim in September 2016, you asked him if Cambridge is a credit repair organization and how the program would affect your credit. Tim explained that we, indeed, are NOT a credit repair agency and that your credit would potentially be affected when your creditors closed your accounts. Again, the recorded calls indicate clearly that Tim explained the program fully. Furthermore, all of the details of how your debt management plan would work, including account and budget details, were provided to you in writing before you signed your contract and before you made your first payment.

    We apologize if there was any confusion, but Cambridge clearly fulfilled the obligations and responsibilities detailed in the contract that you chose to sign. We made no claim that we would be able to increase your credit score, although that frequently happens for many of our clients as they continue to make payments through our program.

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    Reviewed May 3, 2019

    I was in debt and since I dealt with Cambridge Credit Counseling before, I went with them again. Initially, I spoke to one person from Freedom but they were so far-fetched and I didn't feel right with them. And the weird part was, I was trying to call Cambridge at the time but I got their number. Eventually, I googled it some more and got the appropriate number. When I called Cambridge, I spoke to a gentleman and I was impressed with the way he spoke to me. He handled it well and didn't make me feel like I was a loser in getting myself into debt. Then, I put all all my credit cards that I wanted to consolidate together and put it through. He examined it, made a decision, and we spoke about it. Then we went ahead and did the program.

    They must have went through all my cards, wrote them, and they all agreed. They came up with a figure and I was good with it. All in all, Cambridge helped me get rid of my debt and this time, I've learned my lesson. I will not get myself into that again. Cambridge's service is a great thing and I recommended a girlfriend of mine to them. Her husband is in it now and I have one more person that's gonna be giving them a call to get some debts cleared out. I want people that really need to get themselves out of debt to call Cambridge. Other places try to bring down the debt to a price and you have to pay that right there and then. But that's crazy. If I could have done that, then I would have done that and I could have spoken to the card company myself. And with Cambridge, they managed to get a deal with no interest and cleared it up.

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    Reviewed April 25, 2019

    Cambridge Credit Counseling Corp was very helpful and I had a good experience with them. I got divorced and my business was having problems back at that time and had a lot of credit card debt. I didn’t know how I was gonna get out from under it. I found Cambridge and they were able to put a plan together for me and helped me resolve all my financial problems.

    We did a good bit of one-on-one on the phone as I was getting set up as well as by email. I gave them a list of all of my outstanding obligations and provided them with budget information about what I was doing currently, budget-wise, what my assets were, and what my liabilities were at the time for them to get a good picture of what they needed to help me manage.

    Once it was set up they all ran in the background which was great for me. They reached out with opportunities for me to do more credit counseling and gave me an opportunity to meet with someone on the phone and over my situation annually. But everything was going so smoothly so I didn’t feel the need for that. They have put me on a four-year program and I recently completed it. I got a call from them January this year and they said that we were done which was a huge relief.

    Getting in credit card debt feels like scrambling out of a pit that I can never get out of and part of that is due to the high interest that I was paying every month. Cambridge was able to advocate for me to the credit card companies that I am on a plan. They negotiated with the credit card companies to get me hugely reduced interest rates on the promise that I would pay everything off. That made it possible for them then to manage my monthly payments to get it all resolved.

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    Reviewed April 22, 2019

    I was very happy with my Cambridge experience. I wanted to get my bills paid, and they helped me. Enrollment was simple. I just called them up then they asked me a few questions. They stayed in touch with me all the time to let me see how my money was going. I talked with my rep and he let me know I was doing okay. I had a couple of times that my money was short but the bank paid, and I ended up paying them. I started on 4/15/15 and I finished up at 4/15/19. I never realized I was that close until I called to see when my next payment was due and they told me I was done. I was so happy. If I find any friends that got in the same situation I got in, or if I get into that same situation again, I would definitely use Cambridge.

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    Reviewed April 20, 2019

    I love Cambridge. They did all the work. All I had to give was the commitment of money and we got it all worked out. The rep wanted to know how much I made and where I was working so we could make a plan and we broke down a budget analysis. We were talking about it and right there on the spot, he told me he would see how much the rate would be, how much I could afford and that I qualified. It was great because I started out with a little money but not much. The only thing I feel bad about was that they would send financial organizers and I would get in because I was working two full-time jobs. I finally got to confirm that my debt was paid and I was definitely excited. In fact, I was surprised when I got the call wanting to talk about my last payment. I thought there had to be some mistakes. I thought it was gonna be longer.

    My seven cards were taken care of and they got a reduction. I went from about $12,000 to a zero balance in four and a half years. We knew it was gonna be four years, which was not a big deal, and they were right on the money. They did their job, even above and beyond. They were sending me the financial statements and something to fill out. So even though I wasn’t present in the situation, they were the best. It also kinda happened when I had a fender bender. I had to get another car and bring all my extra expenses. I also happened to get unemployed quickly after. So this happened all chronologically the way it was supposed to. It was perfect. When I had my debt paid off, I went and told my friends. Everything that I did with Cambridge was on point and I'm grateful.

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    Response from Cambridge Credit Counseling Corp.

    Thank you so much, Cindy, for your review of our services! Once our certified counselors complete your budget analysis, we're able to calculate an estimation of the time it takes for you to be debt free on our program. In fact, many of our clients become debt free in about three to five years, so you're right on time! We're sorry to hear about your financial troubles as you were starting our program. This is where the budget analysis is imperative to the process of seeing what your financial snapshot looks like, and how much left over you really have in your budget to start saving for these kinds of emergencies. We encourage all consumers and especially our clients to save where they're able.

    We're happy to have had to you as our client and we wish you the best in the future.

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    Reviewed April 12, 2019

    I was living in Cape Coral, Florida. I had no job but I had lots of debt. So I talked to my Father. I told Him I needed help. I didn't know where to go to get it because I didn't have the money to take care of what I was doing. I had never heard this Cambridge advertisement before but as I was driving, I wrote the number down. I called them and this man answered. We talked and I told him what was going on. He sent me information on what they could do and what the payment would be, and it fit in with what I could do in paying it all back. It was perfect. It took me four years but the interest rates in all of the loans were so high that I was never gonna get it down.

    Cambridge went in and got all my interest rates down to almost nothing, and I got it paid off. It was just like that. It was wonderful. Then when I caught myself in the situation again, I went back to Cambridge and they said, “Okay, no problem.” He didn't say, “Oh what the heck are you doing? We’re trying to get you out of debt and here you are, doing what you do.” There was nothing like that. They were wonderful. They were very personable, kind and helpful. I’ve used them three times and they're amazing. I recommend them to everybody. My nephew and his wife got into a big mess and I told them to call Cambridge. They've since split up but the wife said Cambridge was not nice enough. I don't know what the deal is but for me, they're the top of the block.

    The very first credit counselor I dealt with never tried to talk down to me because I was in debt. There are a lot of circumstances out there that get you into something that you didn't think would ever get you into but you did. But that doesn't mean that it’s bad unless you robbed a bank or killed somebody. A lot of banks have this high-and-mighty attitude. But these people at Cambridge are down to earth. They’ve been very kind to me. This guy built me up. He made me feel like they could do something for me and I liked that. He spoke hope.

    They took all my information as far as what cards I wanted to put on there. I had Dillard’s, a Macy’s and Kohl’s, and the interest rates on those were through the roof. I was getting to a point in my life where I didn't want debt anymore. So I just turned them in to Cambridge. When they got back with me, they said they got my Macy's down to 8%, the Dillard's down to 6% and another at 10%, which was much lesser than what they were charging. I was paying $200 a month before. But now, I’m paying $98 and I’ll have the debt paid off in about three years. In that $98, Cambridge takes their little fee, which is not that much, and I also don't have to deal with those people. I would get a statement every month for each one of those accounts and if I wanna pay extra, I can send Cambridge a check. That’s another thing too. If I wanna pay it off early, there’s not a penalty.

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    Reviewed April 11, 2019

    Before making the decision to use Cambridge Credit Counseling, I researched a bit and found that they were the best. They were really good to work with. They were very helpful through the whole process and made getting back on track very easy. They checked in regularly and made sure that things were going well with the program. They were able to help me pay off all the debts that I had. They worked with a couple of the credit cards to lower the rates and consolidated it into a single payment to them.

    The payment plan they set me up with was pretty easy to achieve every month and it worked really well. Plus, the cost of their service seemed fair. Part of the payment each month went to them, but the savings I made with the interest rate change allowed an offset and made things really smooth. Now that I'm done with the program, I'm doing a bit better in managing my budget every month and not allowing myself to get in as deeply into the credit issues that I had before. It helped me make sure that I'm not spending more than I am able to pay off in a month. Cambridge did a great job for me and I had a good experience with them.

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    Response from Cambridge Credit Counseling Corp.

    Hello, Donald! We're very happy to hear about your experience with our program. Budgeting is the cornerstone to financial wellness, and we hope that you continue with that process!

    Our monthly fee is minimal. We calculate it based on a combination of the debts you're bringing onto our program and your state's regulations for debt management programs. We're glad that you found them fair as we try to keep them as low as possible in each state as we are a 501(c)3 not for profit organization. We make sure that your estimated payment on our program is always lower than what you were paying before our interest rate reductions. Thank you for taking the time to share your experience with us, and please call us if we can assist you further.

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    Reviewed April 3, 2019

    We wanted to consolidate some credit card debts and have somebody to go in and negotiate rates. A colleague of mine had used Cambridge Credit Counseling in the past and I asked him about it, which was how I got the referral. He had just finished his program and talked very highly of it. We thought that Cambridge was our best option and it turned out to be great. Then, my wife and I met with an adviser at Cambridge and got the program going. They asked us to check questions like what our goals were and what we wanted to do.

    Then they tailored the program for what we needed at the time and did all the legwork. They contacted the credit card companies, negotiated the lower rates and get it down to 0% to save some interest. We are done with the program and it had been great. The counselor that we met with was awesome. He didn't pressure us to do anything or force us into anything. He even made sense of all the stuff. They also had a lot of nice resources. Budgeting and trying to get a monthly budget is hard to do with five people in the house, but we tried to do the best we could. We adapted to it and cut back on some things. We were motivated to get the program done.

    The payment plan was relatively easy. I was always paying on the cards and never getting anywhere because of the interest. They consolidated that into one payment. I knew what the payment was and it was consistent every month. I would totally refer Cambridge to others. I would give others the same advice as my colleague. It's gonna take a little while, but it's one payment. You know what it is and then you're done.

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    Reviewed March 30, 2019

    Cambridge Credit Counseling helped me out a lot. Everything was easy. They took care of everything and it went fine. I like them.

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    Reviewed March 29, 2019

    I had trouble finding a way to get a consolidation loan to try and pay off some of our high-interest credit cards so I reached out to Cambridge Credit Counseling. They were the ones that contacted me first so I went with them. The enrollment process was fairly quick and easy. We did it online and we were able to DocuSign things online, and I had a couple phone calls. It was very pleasant dealing with the credit counselor who was very knowledgeable and friendly. The payment plan was set up in such a way that the payment was a monthly draft taken out of my account. Then they paid the creditors themselves directly.

    Cambridge was able to get lower interest rates with monthly payments and consolidate four of our credit cards. With their program, we got the four high-interest credit cards paid off within the time frame that they were supposed to be paid and at a lower interest rate. I have three kids in college, so that was very helpful. At this point, the process has been completed. Apart from that, the ongoing customer support that we receive from Cambridge is very interesting. They've sent quite a few different, helpful articles to work on our finances.

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    Reviewed March 28, 2019

    I have three credit cards and I wanted to have my bills consolidated and have one credit card bill every month. It would be easier for me that my bills would be organized versus having three statements coming at me every month. So, I sought the services of Cambridge Credit Counseling and went with them six years ago. I signed up with them and everything was straightforward with the enrollment process.

    Everything was great with the service and the program that Cambridge provided for me. There were different counselors when I called and it was perfect dealing with them. They explained everything thoroughly to me and answered all of my questions. For my payment plan, they automatically withdrew money from my account. I called often to see the total remaining balance and they provided that quickly. The ongoing customer support that I got was perfect too. Also, the cost was no problem. I was very comfortable in working with Cambridge and I’ve never had any problems with them ever. They were straightforward and I never thought that they were lying or manipulating.

    At this point, I’m good and much better. By working with them, I was able to get out of debt. I’m out of debt now, but I didn’t have any credit cards for a while and I had to pay an amount every month no matter what. So, even if I had an emergency, there was nothing I could do and I still had to pay that. It was hard to go through the program, but I did it and that was a great accomplishment. I’m grateful that it’s over. Nevertheless, Cambridge's program is a nice way to consolidate various credit cards and it helps you to pay off your cards faster.

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    Reviewed March 27, 2019

    I had some debt that I wanted to find a way to pay and not file bankruptcy. The person I talked to from Cambridge was really nice. We went over what I would pay, although that changed and it was screwed up in the beginning. There was a counselor named Dennis and I only talked to him one time. After that, every time I called, I got somebody different. I could never get a straight answer out of anybody ‘cause I tried to get phone numbers to call my creditors since I wasn't getting any kind of balance left. I did get a few numbers, but one number wasn't the right one at all. Instead of paying what I owed, Cambridge would overpay and then it was up to me to try to get the money that was overpaid. They should send their clients a balance and show what they're paying. Nonetheless, I've paid everything off and I'm completely done.

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    Reviewed March 24, 2019

    I got into credit debt and someone in my church had told me about Cambridge Credit Counseling Corp. Enrolling with them was easy and although the payment plan, was hard, I made it. Cambridge did a good job and I am now done with the consolidation program. Working with Cambridge taught me not to give in to all these credit cards. I had a good experience with them and if I know somebody who’s getting into debt, I’ll let them know about Cambridge.

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    Reviewed March 18, 2019

    I was in debt with my credit card so I sought the services of Cambridge Credit Counseling. I already worked with them twice before and they were really good. This time, the enrollment process was good and the whole process was easy. Also, the cost was very good. As far as setting up a payment plan, they lowered my interest rate and my minimum payment rate. The program kept me in tune with what I had to pay out each month. At this point, I have paid off my credit card debt. I only had to talk with my credit counselor for a few things that I had to change. People at Cambridge were ready to help me. If I had any questions or concerns, I talked to anybody in the billing department.

    Working with Cambridge made me able to pay my bills on time. I've even received very good ongoing customer service support from them. I would recommend them. They're an all-around good company and one of the best companies to work with. I would tell people to go with Cambridge's counseling services if they need these for their credit cards.

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    Reviewed March 17, 2019

    I had credit card debt and Cambridge worked on what they could to get it down. I have two credit cards, and they made the payment on one of them a lot easier and got a lower interest rate on that one, too. They also sent a monthly summary on my email and I didn't have any trouble getting a hold of them when I needed to. Plus the cost that I paid was reasonable.

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    Reviewed March 14, 2019

    I was searching the internet and I was praying really hard. I found Cambridge Credit Counseling over the internet as the only guys that would take me in. When I first called in, the rep was like, “You oughtta do this, this, and this.” I told him that I couldn't get any of them signed up except for two. He said, “You're fine. We'll take you on.” That was basically the conversation and it was awesome. As far as the enrollment process, it took about two months. When I called in for the counselors, they were awesome. They talked to me and they gave me some great advice on what to do and how to do things, and I took all those into consideration. They treated me really well.

    At first, I started having difficulties. I was tackling a car payment plus the payment, but I was able to do it and keep my finances right where I needed it to be. The educational part of the program was awesome, while the other part was how they managed all the accounts that I had and was able to reduce all that amount of money I was gonna pay out to affordable monthly one payment thing. The goal was four years, but it took about three and a half. I've completed the program and Cambridge sent the statement that I owed nothing. They are freaking amazing. If I could hug all of them, I would. They took a lot of stress off me and totally impacted my life as a whole. There would be no way I could've paid off all the debt and survive anything. They kept me away from filing bankruptcy.

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    Reviewed March 13, 2019

    The enrollment process at Cambridge was all easy. Everybody was nice, and I didn’t have any problems at all. They helped me pay off my dues, and I have completed the program.

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    PriceStaff

    Reviewed March 8, 2019

    Cambridge has some good structure, and everybody was very informative. Plus the cost of their service was standard. They took the payment out of my account and I didn’t have to write out a check and mail it. They took care of my accounts for me and now I’m done with the program.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed March 7, 2019

    I had great credit all my life until my teenage grandson came to live with me. Even though I get $2,000 a month, which is very good money and better than most retired persons, I hadn't counted on raising a grandson. He was in his teenage years and in high school. I was totally responsible for the boy without any help and he was at a very expensive age. His dad kinda helped me at first, but as time went by, it got less and less. I had to go to court over Fingerhut and I kept paying them as long as I could. I wanted to pay off all my bills and I knew that I needed the help of lower interest to pay off all the credit cards. Cambridge seemed nice, then it worked out.

    The enrollment process was easy and I thought I could pay some of my bills off faster than I did. The service was wonderful and Cambridge was always good to me. There were a few times that I had to call and tell them I couldn’t make it for a certain month and they worked with me. They were kind to me and I had no problems with it. I just got the last credit paid off, which was Capital One. I paid Montgomery Ward off at about the same time and I got $35 back from them since I paid them too much. I hope those helped my credit.

    The counselor I was working with changed during some of my time with them but it was fine. There was one that I really like working with. She went out of her way to help me and I appreciated it so much. I highly respect counsellors and I didn't have a bit of trouble from them. I was having some kind of issue and I got with the little girl. She answered all my questions. The payment started out over $200 and I really struggled until I got the payments down to $87. Then, it was much easier. My grandson finally left and joined the Marines. He went on to college through the Marines and I didn't have to help with that much.

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    Staff

    Reviewed March 6, 2019

    Cambridge Credit made us 100% debt-free, so I'm happy. The payment plan was high, but it was okay because we needed to get them done. When we went through a really difficult stage, we talked to them and they lowered it down a little, which was great at that time because we had to do that for reasons of during the health times. All in all, we had excellent service from them.

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    Customer ServicePricePunctuality & Speed

    Reviewed March 5, 2019

    I had used Cambridge in the past and it was a good program so I stuck with it. After the initial phone call with the credit counselor, our communication was through email and he responded quickly. They figured out the best payment plan for me and they set it up. It was something I agreed with. Their program was easy to use, and they helped me reduce my credit card debt and interest rate. They made sure that all my accounts were closed and made sure my account needed to be closed with them. I'm done with Cambridge now, and the cost of the program was a good use of the money spent for their services. Cambridge made my life better because it helped me on the road to being debt-free. I couldn't have done it without their help. Go check them out as well and see what they have to say.

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    Staff

    Reviewed March 2, 2019

    My wife has some problems with credit cards, sought the help of Cambridge Credit Counseling and the enrollment wasn't difficult. One individual there was her cousin and she worked with him in the beginning. Once everything was set up, it was smooth sailing. The whole program took over three years and Cambridge made it a lot easier to deal with one bill on a month versus all these bills coming in. And because she's in a program, she wasn't able to get credit for a while so that was all great.

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    Customer ServicePrice

    Reviewed Feb. 27, 2019

    I called Cambridge and it sounded like they got a good deal. I could save a lot on interest. I got in their program where they got a hold of the credit card companies and presented them with a lower interest rate. And I’m all done with it.

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    PricePunctuality & SpeedStaff

    Reviewed Feb. 26, 2019

    I needed to consolidate my bills and heard a lot of good things about Cambridge Credit Counseling through my coworkers. Their staff was amazing and really nice. Plus, they kept me up-to-date on all the information that I needed. Cambridge's price is affordable and very amazing. I’m done with the program. It worked and I was able to pay off all my bills on time. They're lifesavers and I’m trying to refer as many friends as possible to them.

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    Response from Cambridge Credit Counseling Corp.

    Hello, Bertha! Our staff is happy to serve you. Congratulations on completing the program, and thank you for referring us to your friends. We look forward to working with them! We often get inquiries from referrals, and if we are able, we could even set up your friends with the counselor that you had!

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    Customer ServicePriceStaff

    Reviewed Feb. 26, 2019

    We had too many outstanding credit cards and rather than use one and use another one until the other one gets built up a little, we wanted to get them all cancelled and pay it off. Signing up with Cambridge was okay. They took care of the dealings with the card companies and there were no difficulties there. They sent a statement each month of what was paid, how much they deducted, and how they disbursed it. However, they didn’t have anything to show what your starting balance was and that was something they could improve on. Rather than getting the statements in the mail from the card companies anyway, that could’ve saved all the extra mails and add those on to their monthly statements. They could add an extra column, like an Excel, or put the formula in there to give us those types of bills, and show us what the starting balance was, as well as the ending balance.

    Towards the end of the program, we were keeping close track so we could make the last portion of the payment. For example, it was set-up to pay $100 a month, but then the last payment would be $65. We tried to call someone there and tell them to stop the payment as it was and we would pay the $65 on our own. But I got different stories on that – can, can’t do it and all that kind of stuff. Conveying with them what we were gonna do with what the last amount was was an issue. I don’t know if it was just newly-trained people or employees not familiar with what they can do. But Cambridge could keep working on educating their employees to what can be done and can’t be done because everyone was slow. One had to call and one had to make some changes. One time, I even got three different answers.

    Cambridge also tried to do a lot of stuff electronically instead of having a phone call. For the younger tech-savvy people, that’s okay, but for us older folks, that’s hard. Maybe Cambridge has to think about who their customer is. Nevertheless, we paid off a bunch of our credit cards a year earlier. We got five years into the program, but we did it in only four. We never talked to the card companies themselves. We just talked with Cambridge and had them set it up on all the cards that they could. However, for some reason, there is one company that they can’t deal with, and that’s Bank of America. But Cambridge's interest rates were so low, lower than what you can get nowadays, so that really didn’t interfere. Somehow, we can hit that card on our own here.

    The payment plan that we had was okay and working with Cambridge helped us get rid of those credit cards a lot quicker. Now we can use the money for paying off that other credit card, for Bank of America, and then we have a few extra bucks for us to do some things. I have problems because of Agent Orange and my legs are shot. I had to quit my job about the time we set this up, to help with the payments. But Cambridge made it easier for us. We knew what the amount would be to set up a budget to get going through every year. So, Cambridge helped us well. Perhaps they can also advertise in some ways how they can help folks if one of the members becomes disabled or have some medical problem or how they can work that through with cards that they owe on.

    When Cambridge did their questioning with me at the beginning, they helped us out because I wasn’t able to work. So, that way, with a bit of disability I get, it went to pay enough of the cards. It went smoothly and we were able to take care of the necessities. Throughout the process, eventually, the amount we had to pay each month went down. So if we got a card paid off, then we could even keep that money or reapply it to the other cards, which was nice to help get the next one paid off quicker. Cambridge is a good program. You can quit if you don’t wanna do it, that kind of thing. But commit yourself to do it and follow it. They will take care of everything. They don’t charge you that much each month to do it. Basically, it’s all taken care of for you and if you just follow it, you should get a very good result out of it.

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    PriceStaff

    Reviewed Feb. 25, 2019

    I've used Cambridge before, and they did an outstanding job. Most recently, we had to do a debt settlement with them as we had over extended our credit card. We're senior citizens and we have a fixed income, and sometimes we forget that. Cambridge helped us with it. Tina was outstanding and she took care of me right away. She was very knowledgeable of what could be done. She was also very understanding of our situation. They had my exorbitant interest rate reduced and Tina did the best she could to come up with a wonderful payment plan for me but I wish the payment could have been less. But I don't mind paying the $15 fee a month because they're providing a service for me. We were really considering bankruptcy at one time, but Cambridge made it so we didn't have to. We don't wanna renege on our obligation, and they made it possible for us to pay off accounts that we owe. And we feel good about that.

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    Customer Service

    Reviewed Feb. 24, 2019

    I built a house years ago, and we had some health issues and some of my financial bills went up. I wanted to consolidate them and pay them off, but I did not want to do this, “We can get you reduced payments on your accounts and reduced balances.” I wanted no part of that because I legitimately used the money, and I wanted to pay back what I legitimately used. I didn’t wanna say that I took out 20 grand and somebody settled it for me for 10. That was like stealing $10,000. I wanted to pay it off with the one month or the one payment as opposed to just keeping them out there.

    I used another service and my account got transferred to Cambridge when they bought it out. In the beginning, Cambridge sent me emails and some regular snail mail correspondence. They let me know everything that was going on and that they’re taking it over. I talked to them a few times, and as I was going through every monthly payment, I would get ahold of them every once in a while. I wanted to see what my balances were as I was closing things out and find out what I could do and what I had to do. But every time I called them, I never had any issues with them at all.

    I’m all done with the program, and I paid up what I had to pay off. I did not want my credit report affected, and Cambridge has you close your credit cards as closed by consumer, then it doesn’t affect your credit report once you pay it off. They put me in a position where I could very easily handle myself now. If I went into any issues or wanna do whatever and get to where I have too much at one time, I would just go with them. Then I can consolidate everything down in one bill, and they make the payments. I would recommend Cambridge and I would use them again.

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    Staff

    Reviewed Feb. 24, 2019

    I had credit card debt, and Cambridge was recommended to me by a friend. The reps were very helpful and knowledgeable. The payment plan was doable, and they eliminated my credit card debt. I would definitely recommend Cambridge if I knew someone has the same situation as I did.

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    Customer ServicePricePunctuality & Speed

    Reviewed Feb. 23, 2019

    Cambridge Credit Counseling Corp. helped me get rid of all my debts. The price was fair and they were really quick when I had questions or when I added other accounts along the time that I was in the program. They followed up with my debtors and I had quick results of the little issues that I ran into while I was on the program. I got emails frequently and they were always available whenever I called. I’ve already recommended Cambridge.

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    Response from Cambridge Credit Counseling Corp.

    Briana, thank you for reaching out to share your experience and for recommending our services! Our friendly customer support staff works hard to keep our clients happy and informed whenever they call. We're very happy to hear that your debts are all gone, and we hope you're looking forward to your new debt-free life! Please call us if you need anything else.

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    Punctuality & SpeedStaff

    Reviewed Feb. 22, 2019

    I had some debts that I needed to take care of so I did some research. I found that Cambridge Credit was the best to go through a debt consolidation so I decided to go ahead and made an appointment with them. The rep made all the arrangements to it. He told me exactly how much money has been allocated to the different accounts that I was under the consolidation program. He emailed me all the information out and then I signed the document.

    The enrollment was easy. I was able to do it in a couple of days, just as quickly as I was able to get back to him. There were two processes to the debts consolidation process. I went to a debt consolidation program with Cambridge Credit and then I had to clean up my credit so I went through another company and they did that.

    Also, the counselor was very understanding. She said, "Don't think that you are unique and there are a lot of people that are out there in the same boat as you are". She also said that Cambridge has a plan and that in a couple of years, my credit will turn around. At that point, I thought it was a lot of bluff but looking back at it, I thought she was right on the mark.

    The program was painless for me. They gave me an amount and I was okay with it. I knew I would have to consolidate my debts and have those debts paid off so I took the quickest route. I set up an automatic withdrawal out of my account and I made sure my account has plenty of money in it. They deducted the money out of my account every month and in two years, my debt was paid off. I made my last payment and I finished the program last month. All in all, I'm very satisfied. In fact, I gave Cambridge' numbers to one of my commanding officers because she went into some financial problems.

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    PricePunctuality & SpeedStaff

    Reviewed Feb. 22, 2019

    We had medical and credit card debts and Cambridge Credit Counseling provided us with consolidation. They went in and dealt with them all. The interest rate was dropped and we paid back our loans that way. We originally called Cambridge because we got married and after we got married, my wife ended up with cancer. So, it worked out that we jumped on the program when we did. We ended up doing the program separately and if we hadn’t, we would’ve been bankrupt because of the medical bills we had. We could always work a little more to make a little more when the hospital bill comes but the program lowered the payment a little bit and that alone made us get by.

    The enrollment process was very easy and fairly simple. There were a lot of tough questions when they started asking about our monthly debt and a lot of times, they didn’t tell you exactly what you wanna hear, but they told you the truth. The counselor was very understanding, too. We were afraid of talking about these things but he put us at ease. And in the end, he had the answers.

    They sat down and figured out our family budget, what we had, what was going out, and where was it going. They asked for all that upfront then based on that, they figured out the rates and what they could do with the agencies. Then they told us what they could do and what they couldn't do. It was up to us if we took it. They gave us a fixed period of time when the program was gonna be done and we got done a little bit early, but that was okay. We took any extra we had and that was where we wanted it to go.

    All in all, Cambridge was wonderful. Even at the payoff, we paid a little more and they made sure that they had all the stuff documented. They did everything for us and all we did was tell them what we were doing and that we had extra going in. They said that the debt was gonna be paid off and that we were gonna have some checks coming to us because we overpaid. And we ended up getting checks back from the different creditors which was great. We completed the program and it worked out wonderfully. We’re very happy with it and couldn’t have asked for anything more. Now that we’re done, it’s a huge weight off our backs.

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    Customer ServicePriceOnline & AppStaff

    Reviewed Feb. 21, 2019

    I have a CreditCare account. They told me that I had to pay within a year or pay something towards it. After that year, however, I wasn't able to pay off the account. Because of that, they carried the interest really high. I'm on a fixed income and so I had Cambridge Credit Counseling help me. I got their information, called them, and filled in the forms. I qualified for the program. The application wasn't easy, but it wasn't as bad as I thought. Cambridge was able to lower my interest rate and I didn't have any problems paying because I did automatic deduction until the program was over. It was perfect for me. They also had people to help me. Cambridge's program is a very good program for someone who is in a little bit of financial problem and have to pay off a debt. It helps you.

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    PriceStaff

    Reviewed Feb. 20, 2019

    With Cambridge Credit's program, we paid off a lot debt that we had and zeroed out some stuff that we had accumulated, so it was very helpful. It took us six years to complete the program. The quality of their service was good for the cost. They did a good job.

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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