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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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    How do I know I can trust these reviews about Cambridge Credit Counseling Corp.?
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    Page 6 Reviews 530 - 680
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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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    Customer ServiceStaff

    Reviewed Feb. 19, 2019

    A co-worker who used Cambridge Credit Counseling recommended it and gave me the information. I checked into some other ones and Cambridge seemed to have the better service. So, I went by my friend's experience and went with them too. In the beginning, I didn't know if I needed to get the information filed and their reps did some of that for me. I was really comfortable working with them. They were reliable, they gave me a timeline and they sent updates too. They sent little ways to stay out of debt through email. And if I had a question about anything, I would call. They were friendly and they didn't keep me on hold.

    The payment plan that they set me up with was difficult in the beginning only because I was still using the credit cards. And then, I wasn't using them at all. I got used to just paying each month and not using them, and it turned out for the best. So far, I'm finished with their program and they got me out of debt from credit cards. Cambridge is a good company. I've already recommended some people to them.

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    Customer ServicePriceOnline & AppStaff

    Reviewed Feb. 18, 2019

    I was out of work for quite a while and I needed to consolidate my debt. I tried to get things handled to save my credit. I went with Cambridge because of their Better Business Bureau rating and the rating from other consumers. From the first time that I called somebody from Cambridge, I was treated very warmly and kindly. There was no judgment about what had gone on in my life prior to. There were several times throughout that two-year period that I had to rearrange the auto debit on my payment and they were more than kind about making that happen for me via email or phone call.

    And then, at the very end, when I was trying to wrap everything up with the last few payments, they just went way above and beyond to make sure that everything happened the way that it needed to, and even didn't charge me for the last month for their fee. They helped me get everything handled. The cost was also very reasonable. However, it would be better if they would let you know what you still owe, instead of just what they paid and more information about what's been paid off in full and what the results were on the website itself. Nevertheless, my experience with Cambridge was absolutely fantastic.

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    Customer ServicePrice

    Reviewed Feb. 17, 2019

    My experience with Cambridge has been great. I was with them for about three years. They got all my credit cards down with the interest. I made a lump sum payment and they divided it out to my creditors. I spoke to them the most at the beginning, and it was just great. I also didn't have to get those calls from the creditors anymore. I've already talked to many people about Cambridge.

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    Reviewed Feb. 16, 2019

    My experience with Cambridge Credit Counseling was perfectly fine. I had to set up EFT and they did all the debt. I knew it was gonna be two years and they were able to pay the bills when I needed them. Now, it's done and over with. I would recommend them.

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    Customer ServicePrice

    Reviewed Feb. 15, 2019

    I signed up with another company and they sold some of their files to Cambridge. The first company negotiated with my creditors, got the interest rate down considerably and then, when I went to Cambridge, it was all set in order. They continued what the other company was doing but I had to pay $59 a month for this company in California that’s supposed to help you change your way of thinking about credit cards. I talked to them twice a year which was a waste of money and it didn't help me at all.

    Cambridge took the money out of my bank account and paid my credit cards. It was fine interacting with their counselors but when I got statements from my creditors, the balance always included the interest. They said they had to call and get the final payoff which was what my bill said. I was uncomfortable with that, but it worked out because sometimes, I would call a creditor and just pay off that one rather than go through Cambridge. Other times, I would send in a money order to apply to a certain creditor. So, that’s how I handled it. For example, if it came down from $129 and I happen to have that amount available, I would call the creditor and pay it off myself and then, notify them that that hasn’t been paid off.

    In the middle of 2018, I started staying focused and I was getting all my debts paid off. Towards September, I could see that if I really stayed focused, I could have them all paid off by the end of December and I succeeded in that. It was supposed to be a three-year program but I got it paid in two and a half years because I got bull-headed and decided, “Nope, this is gonna be it.” Cambridge told me towards the end that the $59 I was paying to the additional company, they did it in-house. Had they told me about that before, I could have cancelled my enrolment and saved but they didn't say that until the very end. Nevertheless, I got through it and they notified the bank in December that I was done with them. So, it was a load off my mind and I did learn a lesson. Don’t spend more than you can afford. Cambridge helped me. If people are really in-debt and need to see the end of a tunnel, I would more than likely recommend them.

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    Reviewed Feb. 14, 2019

    I was paying too much on my credit card and I needed to consolidate. I got some solicitation from Cambridge in the mail and I followed up from there. All my questions were answered immediately, and once I got going on it, I didn’t have any questions. I just paid the bill very quietly, and all that was done over the course of a bunch of years. It helped me handle a very difficult financial situation.

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    PriceStaff

    Reviewed Feb. 13, 2019

    I had gotten into credit card debt and I was getting old. I went with Cambridge Credit Counseling and it took me around four years to get through the whole program. My interactions with the team at Cambridge were fantastic. They had no judgments and they were always pleasant and always helpful. They worked everything out with me and we figured out how much I could pay, and that's what I paid. If I wasn't able to make a payment, I'd call them and they'd set it up to where I catch it up the next time. That was great. Also, the cost was cheap. I am so pleased with Cambridge and I tell everybody who's got any kind of financial issues about them.

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    Staff

    Reviewed Feb. 12, 2019

    I've used Cambridge one other time, quite some time ago. Someone had recommended them to me. Signing up with them was really quite easy. I called them and we set up a time for me to meet up with someone there. Then we sat down briefly and went over a few things. There was a helpful gentleman named Andrew that I would speak with on occasion if I had questions. I had outstanding credit cards and Cambridge got in touch with anyone that I had dealt with and came up with one lump sum that would come out of my bank account every month. I had automatic payment and the payments they took were perfect. It worked great for me. They have relieved a lot of stress. I’ve paid everything off in full and it feels good.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Feb. 11, 2019

    I wanted to consolidate my credit card debts. I contacted Cambridge, got it all setup within the next day, and got everything in order. They did really well. They were really nice and they had excellent customer service. They were very helpful and always friendly whenever I call and ask questions. The payment plan was easy and really affordable. I didn’t even realize I was paying Cambridge for their services as well until I got the statements, but it wasn’t that bad. I was done with everything three and a half years later.

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    Customer ServiceStaff

    Reviewed Feb. 11, 2019

    I had outstanding bills and I sought the services of Cambridge. They were very courteous whenever I called. I didn't have any trouble with them at all. I gave them the list of my bills and they called up my creditors. Not having received any phone calls, I assumed that it has all been paid off. I contacted Cambridge a few times to find out how many more months I had and they were very polite. Whenever money had to be sent out, I made sure it was a certain day to make sure I had it in the account. If I was short, which happened only a couple of times, I would tell them it could be a few days, because my check probably didn't get in there due to the holidays and they were understanding. I was very pleased with the company and I had an excellent experience with them.

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    Price

    Reviewed Feb. 7, 2019

    A few years ago, Cambridge Credit Counseling helped me with my situation and provided me with consolidation for two credit cards. I spoke with someone on the phone and he explained what the process would be. It was pretty straightforward and easy. My mom was the one asking most of the questions though. She heard about Cambridge from a friend.

    They were really organized. The payments were automated but they would send me statements via email. I stuck to the program for a couple of years and completed it. And I really liked that flexibility. Plus, the cost versus the quality of service was excellent. They helped me realize what I could do with my finances to get myself back on track. Now, I’m more aware of my credit than I was a few years ago. It was a great experience.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Feb. 6, 2019

    I was in Cambridge Credit's program for about two years and I settled all the credit card debts that I've put up with them. I liked that they didn’t charge a lot of money to take care of the problem. Enrolling with them was fast and easy. Their staff was easy to work with and friendly. Anytime I called, I was able to get a quick answer from them. Cambridge's payment plan was cheaper than what I was paying per month. It’s easy and very straightforward to make the monthly payments at a certain amount of time, and it will be taken care of, and you’ll be done. When we fell on a hard time one month, they've helped us out. It was very comfortable working with Cambridge. I felt like I’ve got a big weight off my shoulders. I would recommend them to somebody else.

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    Customer ServiceStaff

    Reviewed Feb. 5, 2019

    I went with to Cambridge Credit Counseling and I have finished their program. They did what they said and it was easy for me. Their payment plan was fine. I had direct deposit and they took care of what needed to be taken care of. They email me monthly to let me know where my account stood.

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    Punctuality & SpeedStaff

    Reviewed Feb. 4, 2019

    My niece's fiance who used to work for Cambridge Credit Counseling told me how their service worked and talked to me about it. Enrolling with Cambridge was very easy and everything was very understandable. The counselors that I worked with were very friendly and knowledgeable. If I had any questions, they took care of it quickly and made me understand what was going on. It was very easy to stay in contact with them through the process.

    I had a credit card and I used it up. My payment for the credit card was $96 a month and Cambridge charged me $112. That was more than reasonable to take that worry off my plate. It was a convenient and free from worry situation and the way that it would be taken out every month was a good thing. It was a very easy payment plan. I knew the debt was taken care of. I just remember to deduct it and eagerly wait to see how much I owed. I got a monthly statement and they let me know what was due. I’ve managed to take care of my debt and I finished paying it off last month. I would recommend Cambridge to somebody that has some financial debts like me.

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    Customer ServicePriceStaff

    Reviewed Feb. 3, 2019

    I was behind on bills and couldn’t keep up with them. I applied with Cambridge Credit Counseling over the phone and my whole experience with them was very good. In fact, I was with them twice and I got treated perfectly. They sent me a bill each month and their counselors were very helpful. They made sure that I got out of debt and I got very good support from them. The cost of their service was also good. I've completed my program last month and it helped me out a lot. And if I ever get in trouble, I’ll go back to Cambridge. I would recommend them to anybody.

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    Customer ServicePrice

    Reviewed Feb. 2, 2019

    I had so many charge cards with balances and I wanted to find a way to dissolve them. I knew there was Consumer Credit Counseling, and I looked it up and Cambridge has it. When I talked to their counselor through the phone, we set up everything and that went well. The plan was fine and it was something that I could handle. It was a very good program where they reduce some of the interest rates.

    I paid them so much a month then they paid my card down. The amount, though, wasn't exorbitant. It was something that I could handle each month. And I was glad listing it in because I knew everything was being taken care of. I liked the way that it was handled. Whenever I had a question that I wanted to ask, I would call, and someone would answer it for me. And although they sent out a report every month for me to view, a little more discussion with the person they were helping just to reassure them that everything was going fine would be an improvement.

    All in all, though, the service was good. I started in 2014 and we finished in January 2019. They helped me get rid of all that debt, and so I feel freer. I have more to spend. It took a much shorter time than it would if I had just gone because while I wasn't missing any payments on any of those, it was taking so long and I couldn't see any way of getting out of debt. The interests were so great. I could see myself 20 years of paying on some of those accounts especially Sears.

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    PriceStaff

    Reviewed Feb. 1, 2019

    My wife was suggested to seek Cambridge's services to get out of credit card debts. They paid the credit cards, worked on the interest rate and then I took a monthly payment. The experience was great at the beginning. Their reps were pleasant and answered all my questions. In terms of the cost, it was reasonable. After a couple of years, I got sick and tired of my credit bill and how people throw red flags when they look and see that I have these credit cards in the program, so I paid it off. Working with Cambridge greatly affected my life. I don't have all those credit cards anymore and I never will again.

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    PriceStaff

    Reviewed Jan. 31, 2019

    We had several credits that we were not able to get paid and the interest rates were killing us. We were with Cambridge years ago and they helped us get out of that problem. Unfortunately, got back into it, so we thought we would go with them again. This time around, they did well on the enrollment process and the program we got into was for four and a half years. We completed that in December and the reps who assisted us were great.

    They answered all of the questions that we had and if we needed anything, all we had to do was discuss it with them. Whenever we needed some help, they would make it so that we could pay our payments. They figured out the amounts that we had to pay and it was good dealing with them. We didn’t have any problems at all and we never missed a payment. In the end, they got our debts paid off just like they said. I also recommended them to a friend while I was on the program and so far, she paid off one of her accounts and she’s working on the other account.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Jan. 29, 2019

    Enrolling with Cambridge Credit Counseling was very easy. I was in debt and went straight to them. Their accuracy impressed me. They made a monthly sum on the debt and it was affordable. Things were completed and they were on time. It took three years to complete the program. I've graduated and debt-free now. They need to have more communication with the client though. They never ever called me. They just took the money and deposited it. And that was poor judgment. I got my certificate and my letter, but they never called me once to see how I could improve my credit score. The whole purpose of going through the program was so I could build my credit back up. I don't know where I stand, what my credit report is, and if I have any outstanding debts left.

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

    Congratulations on becoming debt free and completing your debt management program. We love to hear success stories like yours and are pleased to have been a small part of your journey to financial freedom! Let me take a moment to address your concerns.

    Cambridge Credit Counseling is not a credit repair company, and don’t portray ourselves as such. We provide counseling and debt consolidation services, which typically allow clients to pay off their accounts in full, but at significantly lower interest rates, saving them time and money. If you had requested information about the steps you might take to improve your credit score, we would have been happy to provide that, free of charge, but it’s not something we force on consumers. Our website and the free educational materials we’ve placed online give plenty of tips and advice on these topics.

    We have a fully staffed Client Services Department that is available Monday through Friday for any questions that you may have had while you were on the program. Looking into the history of your account notes, you did contact us and asked about adding accounts to the program, and we did leave you a message to advise you about your final payment. When we do that we are calling to see if you have any other accounts that you would like to add-on before your account is completed and closed. We also sent you a letter on October 16, 2018, to advise you that your final payment was coming up. That letter specifically states:

    “If you have additional accounts that you would like to add to the program it is important that you send a request in writing or contact our agency to have your verbal request recorded by a Cambridge representative. If we do not hear from you by your scheduled due date, we will assume that you would like your account with our agency to officially be closed. All of us at Cambridge would like to congratulate you on becoming debt free.”

    Though we pull credit reports to facilitate a consumer’s initial counseling session, it would be your responsibility to pull reports to review them moving forward, since encouraging clients to become more financially self-sufficient is one of the goals of our program. Again, we sincerely congratulate you on paying off your debt, and if you have any questions or need any assistance in the future, please do not hesitate to contact us.

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    Staff

    Reviewed Jan. 28, 2019

    I looked at a couple of other companies and Cambridge Credit Counseling Corp. looked like my best bet. The enrollment process was easy and it took a little under four years for me to complete their program. I’m not really good at budgeting money, so through the Cambridge program, I had a set amount to be split up between three creditors. The smallest one was paid off first, then the second one and then the last one. They deducted 225 a month and they deducted it on the 15th of every month for almost four years. It was nice and smooth. I didn’t have to send a check in. It did electronically and just made a little note in my little book. The last payment was in mid-November and that was when I got my email. I got something in the mail too from Cambridge saying congratulations, I was done and I was all paid off.

    The fee each month was very fair considering they had to deal with three different creditors and splitting the money up. I’m very pleased with Cambridge for the service provided. They handled everything very nicely. It’s all paid off now and that freed up $225 a month. Now, I have more I have to work with. I have no complaints and I would recommend them. They handled everything very professionally. And if someone was to ask me about something like this, I would tell them to give Cambridge a try.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Jan. 25, 2019

    I did a lot of research and I saw the good ratings that Cambridge Credit Counseling had. I worked with somebody else before but it was not a good experience at all. At the time, I was going through some counseling through our company’s employee assistance program and they set me up with a vendor called My Secure Advantage. They were helping with budgetary work and the counselor for that recommended Cambridge as well. Cambridge seemed much more reasonable and I liked the philosophy in the way they were set up. I got into debt consolidation with Cambridge and my experience with them was very smooth and easy. They were helpful and very consistent.

    There was one point where I had a problem with CharterBank and they were giving Cambridge a bit of a hassle about the timing of the disbursement of the fund. A rep from Cambridge called me and we worked through the difficulties. He was able to make it happen so that the timing was better. He worked with me through that and often called and asked for updates. They were very responsive so I felt really good about the service I got from them. That was about three years ago and the length of time that the process took to complete was very appropriate and very doable from a budgetary perspective.

    The cost for the service was fairly minimal for what I was getting and the plan that we worked out was within my budget. We talked about that ahead of time. It was a lot of money, though. I was going to be paying it for 10 years, so I would rather have done it the way that Cambridge set it up for me. They were trying to make it the most reasonable period of time where I could pay things off. It was a realistic timeframe based on the experience.

    Instead of just a generic call where I would get anybody, they could have a dedicated rep for my account and whom I could call personally especially at the early stages. For the first year when we were trying to get organized and we had more questions or concerns, I could see them being away for financial advice. I know a little about business and it is a distribution type of process rather than a one-on-one personal counselor, but if it could be that, I’m sure they would have done that for me if I had asked. However, I didn’t need to call them much because it was such an efficient process. I’d definitely tell my friends to consider Cambridge.

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    Customer ServiceContract & TermsStaff

    Reviewed Jan. 24, 2019

    We entered into an agreement with Cambridge Credit Counseling for debt consolidation over five years. They were referred to us by the company was with. The contract with Cambridge was part of the severance they gave us. We completed our five-year stint and paid back all of our debts. So, it was a good program. We reduced interests and payments over that period of time. The personal touch from Cambridge's negotiators made the process good. We got to be pretty tight with the person that was handling our account. We had a lot of issues we had to settle, and it was a lot of calls back and forth. I got educated about what we had to do. The payment plan was a lot of money. It was difficult and painful. There was a time we were living in an apartment with no furniture, but we got through it. We were very impressed with the overall package. They were very professional all throughout the process. I highly recommend them.

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    Customer ServiceStaff

    Reviewed Jan. 23, 2019

    I acquired so much debt. It was hard making the payments and trying to work the balance down every month. I went online to a place that rated different companies, how they operated and how the people were satisfied or not satisfied with it. Then I spoke to a person at Cambridge and he was very helpful. It was a very good experience and we set everything up within a couple of phone calls. They also offered a lot of different services to myself throughout the program, and I chose not to use or do any of them on my own.

    The consolidation program worked for me and I didn’t have any complaint. I paid my payment every month and it took me five years. If I could have made a different choice in resolving my debt, I should have made a different choice. But I’m happy with what I did. It helped me to pay my debt off and I was comfortable in the process. If I had any questions or concern, I would call the number, give the person my account number and ask the question.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Jan. 22, 2019

    I had too much consumer credit going in different directions and at my point in life, it was hard to manage. I found myself missing dates sometimes and not being able to consolidate the way I wanted to. So I went to work with Cambridge Credit Counseling. The enrollment process was easy enough. They gave me a chance to list the seven creditors on credit cards. I went and put all those together. I also didn’t realize their headquarters in Agawam was right around the corner from where I live. But I really hesitated on the $50 a month. It was a waste of my money on something I could be doing myself. But I settled in comfortably with the fact that it was going along month to month and it was gonna get me the reduction I wanted.

    I also had a fantastic client management representative, Chris. His calm attitude impressed me. He understood my situation and was non-threatening. He reassured me everything was good and gave me his personal cellphone number. He checked back with me and I was on my way. I was impressed with the fact that he committed that he could help me, that I could also call him and that I could cancel at any time if I wanted to. Plus I could see results. I got the monthly statements and that made me feel good.

    I didn’t get the reduction in the overall balance though. I just got the money that was being paid on a statement. So during the whole process, I asked about three times what the overall balance remaining was because I wanted to put it in perspective. But when I asked for a report, they gave it to me. I didn’t think there was any hidden process. It was just something that was left off the monthly statement that I felt I needed to reassure myself. When you have any kind of major debt, you would like to know where you are even though you see it’s really going down and you’re feeling good about it.

    Overall, it’s a great program and I’ve concluded it. I went to the office and paid off in full around seven months ahead of time, and they handled that with no problem at all. I’ve gotten all the notifications and the credit card companies have sent me “paid in full” statements. I’m completely satisfied with Cambridge Credit Counseling. When I realized that I needed one credit card with the airlines type of thing, they even gave me advice on what airline or what cards are the best ones.

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    Reviewed Jan. 21, 2019

    The service I was provided since my first phone call was excellent. They are knowledgeable and swift! I received information within 2 hours and they are working very hard to get me back on track; which I could not do on my own. I am very grateful for their services. This puts my mind at ease. Thank you.

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    Customer ServiceContract & TermsStaff

    Reviewed Jan. 19, 2019

    I had too many credit cards and I wanted to get rid of them. It was convenient online to get registered for Cambridge Credit Counseling and I worked with them for four years. My experience was good and I don’t have any complaints. It was cool that I got monthly statements that really helped me keep track, although I wished they would have some calculations towards the end. It would be cool to see how much or how many payments you have left.

    I interacted with the reps at the beginning of the contract when I signed up and then, they called me in response to when I had to call them to figure out my last payment. From the experience I had, they were professional. The process worked at a reasonable pace. I was paying everything off, but there should be a website attached to the program. For example, if I have a really good paycheck and I’m sticking to my budget and I have $2,000 extra, then I can put another payment onto that. I live in a world where the money comes in and sometimes, it doesn’t. So, if I could get ahead of my payments a bit and still stick to the schedule of the program, it would be awesome. If it’s a program where they are trying to get people turned around, there has to be more information about the budgeting and/or how to control the rest of your other bills, and I didn’t receive anything like that.

    Cambridge charged $40 a month and it worked out although there were times I was thinking about leaving the program and just making my payments on my own. My payments were about 524 a month and I could easily cut off the middleman and just make the payments myself. I thought about it a couple of times, but knowing that it was automatically being taken care of, it was a relief. I got the bills paid off and causing the weight off from paying the bills was nice. I was able to use that money and put them on other bills.

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    Customer ServiceStaff

    Reviewed Jan. 18, 2019

    I wanted to do the credit card consolidation. My friend had gone through them and she recommended Cambridge. They were wonderful. However, when I wanted to change my payment 'cause I'm in New York, they had to send me a code and I had to call back. There were a few times where I had to call back several times and it was a little aggravating, but that was really the only issue I had with them. I'm finished with the program and it got me out of debt. I'd definitely recommend them.

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    Reviewed Jan. 17, 2019

    I had too many loans out. I was making it but there was hardly anything left afterward. I used consumer credit several years back, but when I tried calling Oklahoma City for one, they didn’t’ have it. I ended up getting Cambridge Credit's number. My enrollment with them went fine. I really enjoyed the lady that took all my stuff. She was very nice and thorough with everything. I really liked her. She answered all of my questions and always got back with me if I called and left a message to ask for something. Once she got through with me, though, I didn’t get to talk to her very much later because I talked to whoever I got if I had any questions. I like that when I call Cambridge, they get back to me as soon as they could or one of the girls that answered there would go ahead and help me.

    I got good service and I’m glad I went with Cambridge. They lowered a lot of my payments. It took me a long time to get them paid off, but at least, I didn’t have to worry about not having the money to pay them because I always made sure I had the money there for Cambridge whenever they pulled out my money. If friends have problems with their bills, I’d recommend Cambridge very highly.

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    Customer ServicePrice

    Reviewed Jan. 16, 2019

    We had some credit card debt that we wanted to get rid of and we reached out to Cambridge. We made one payment to Cambridge and they paid the four credit card bills that we had. At first, I interacted with a credit counselor and after that, I got a call twice a year from someone. I kept up with my payments and there was no need to talk to anybody on a regular basis. Cambridge's program worked for us and I was comfortable with the amount that they provided. It was less than what we were paying every month on the other by ourselves, and because the interest was reduced, we were paying it off faster than we would have ourselves. They also contacted the companies. So, that helped. Working with Cambridge freed us up and we don't have to worry about having four payments in a month. Also, their cost was minimal compared to what they actually saved us in the long run.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Jan. 15, 2019

    We decided to seek Cambridge's service due to excess credit card balances and we were unable to make significant dent beyond the minimum payment. They allowed us to bring all of our major debt to the table, with the unsecured debt with the credit card companies. They negotiated lower interest rates on the debt in exchange for guaranteed payment through them. They requested the money from us monthly and paid the payments on time to the companies until they were paid off. During the application process, we provided our credit card company, name, account number, balance and a phone number. We had one with a really low balance and they suggested, if we felt comfortable with it, to get that one out. They said they weren't gonna be able to negotiate a lower rate for us so it won't really be a value to us if we do it.

    Cambridge made sure that we were comfortable with the payment and they encouraged us to not over-extend our call on the front-end. We could always make more payments, which we did, but not to lock ourselves in it if we weren't sure we'd be able to stick to it through the whole length of the program. The reps were easy to deal with and my interaction with them was perfect for me as it was not super in your face. We had emails back and forth, updated monthly statements of what we have paid and quarterly newsletters or contacts to just remind us to check on our balances and to see how we were doing.

    The program went smoothly and the way they were doing it helped pay all of the cards. I took it upon myself to make extra payments on certain cards that they got close to paying off so that I would have more going to another card. Now done with the program, it has gotten rid of the unsecured debt for us and allowed us to save any extra money that we would have been paying towards those minimum balances. I'm highly satisfied with my Cambridge experience.

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    Customer ServiceStaff

    Reviewed Jan. 14, 2019

    I talked to other companies and they wanted me to default on my loans and still pay them $400 a month for so many years, and Cambridge at least got my loans down and I didn't default on anything. Cambridge was very good, except for one counselor I talked to. He said, "Just go bankrupt if you want." He was a pain in the ** because the amount of money I had to pay at first was hard on me. I wanted to call Cambridge back and tell them "Listen, I'm gonna declare bankruptcy because this guy here didn't wanna help me at all," where the first two people I talked to were really excellent. But it's all done. I'm done paying. Everything was fine, except for that guy.

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    Customer ServicePunctuality & Speed

    Reviewed Jan. 13, 2019

    I had gotten myself over my head with credit cards, and so Cambridge helped me out. I called and told them what was going on, and they said they could help me and they did. I sent them what they wanted, and that was about it. It was very simple. They got the credit cards paid off. Then I had two that I had never turned in, and I went ahead and turned those in and got those taken care of. And now, I’m debt-free. My experience with Cambridge was great. They helped me get out of debt. And that in fact, made a big deal. I’m very pleased with the way they handled everything and how quick they got everything paid off.

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    Customer ServiceStaff

    Reviewed Jan. 13, 2019

    We wanted to consolidate and make one monthly payment, instead of a bunch of little ones. We had dealt with Cambridge one other time and so we went back to them. They didn’t go off of anything that we had used previously and it was like we were brand new customers. So, I talked to a representative and gave them all the information for what we wanted to consolidate. They took all that information and then after they looked at everything, they told us what our payment plan was gonna be, and it went from there. The reps were very professional and they were always willing to answer any questions we had. We were satisfied with everything. We just finally finished up and have $500 extra a month now.

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    Installation & SetupStaff

    Reviewed Jan. 12, 2019

    I got a couple of credit card debts and when I did a Google search, Cambridge Credit sounded like they had good plans of getting everything taken care of. The process to get set up was simple and everything was a very easy process. I had a good counselor. He let me know when a bill was settled off and he kept track of things. I like that I had an update of everything monthly. It was a good experience and it gave me the ability to lower my payments with them and at the same time to continue everything we need to work on what I have left. Cambridge is a good and reputable debt relief company to use for consolidation and they will help you along the way to make sure that everything that you thought to take care of is taken care of.

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    Staff

    Reviewed Jan. 11, 2019

    I was drowning in debt. Cambridge was the first one I called and that’s what I went with. They contacted me immediately after I contacted them. Working with them has gotten me out of financial situations. I’m complete with the process now and no more debt.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Jan. 10, 2019

    Cambridge Credit Counseling’s program was absolutely wonderful. They were very organized, walked me through the whole process step by step. They did everything they said they were going to do, and worked with me, and I was able to get everything paid off early. I started in September of 2015 and I finished in December of 2018. I was scheduled to be completed in 2019, but I finished 10 months early.

    When I first signed up, a nice gentleman worked with me to get all the paperwork done. Then every month, I would receive through email the statements so I could keep track of exactly where I was. I was encouraged to watch the credit card side to make sure everything was getting paid properly. Then, the few times I had to call with questions, they were answered promptly. It couldn’t have gone better. It has given me a little bit more confidence. And the recommendations they made for my budget were thought-provoking and very good. I'm very grateful and I've told many family members and friends about it.

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    Reviewed Jan. 9, 2019

    I was $40,000 in credit card debt and drowning fast, I couldn’t pay the bills on time and paying the minimum was a joke. Cambridge came to the rescue, if it wasn’t for them I’d be paying those bills until I was dead!

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    Staff

    Reviewed Jan. 9, 2019

    I got into a point where I couldn't pay minimum on credit cards to survive. I got Cambridge through my Employee Assistance Program, and they were the first one that I came across that I liked. It was easy to enroll with them and the program worked for me by paying off the debt as opposed to just paying the minimum. The monthly fee was very doable especially being as far in debt as I was. It was great working with Cambridge. It eased that burden of pain of that large amount of debt. They were able to deliver what they promised, and I have finished paying everything off.

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    Staff

    Reviewed Jan. 8, 2019

    I had credit card debts that I wanted to erase. I did a Google search and looked at the reviews and I ended up acquiring the services of Cambridge Credit Counseling. Enrolling for it was rather easy. The program enabled me to pay off all the debt and it took me four years. Once you got involved with them, it was just an automated debit amount that was taken from my account every month for the duration of the program. The only time I had to deal with anyone there was when I had to move and had to change my address, or when I came close to paying the remainder of the balance. They were easy to work with and pleasant. I would recommend them.

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    Staff

    Reviewed Jan. 7, 2019

    I gave Cambridge a shot to help me out with the credit back of a credit card. Their enrollment process worked good for me. Their counselor was very good. Everything was explained to me step-by-step - what was going on, how it’d work. Their payment plan was very good too. It met my need. Cambridge is very good and their reps have done a good job.

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    Customer ServicePriceOnline & AppStaff

    Reviewed Jan. 6, 2019

    I've had too many bills I needed to pay on and not enough money. Cambridge was the first one that came online, so I called them. The enrollment process was easy. I completed the program November of last year and I was able to pay a lot of bills off. It helped me get out of debt. They were helpful since the beginning. My counselor from the beginning called immediately after I filled out my online application and really worked with me. Everyone that I talked to on the phone was extremely knowledgeable and helpful as well. The cost was fair too.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Jan. 5, 2019

    My husband has an alarm service and he was losing a lot of business because he was ill and I couldn’t do everything by myself. I researched a lot of places and most of the companies I called said they couldn't help me. Cambridge was the only company that really helped me ‘cause everybody else turned me down. The enrollment process was fine. It was a quick process. The credit counselor was very helpful and good. He was very knowledgeable of the company, Cambridge, and what their program entailed. Working with him was very comfortable. I really admired him because he took his time and made sure I feel comfortable with their fee. We got all the bills and the credit cards together. It took about two to three days and then we were done. We set up everything and it was good.

    Once we set up everything, I never had a question. Cambridge always sends a survey every three months asking if you are still comfortable with the payments, or if you are having a problem if you can’t make the payments, or they will just ask a question about what is your status at that point, and I always answer that. I gave Cambridge the total amount that I owed and they set me up so they could just automatically withdraw the amount that I could afford. They worked with me, they did not just give me an amount. It took like five years, which I thank God I’m done. I’m relieved that I don’t have that debt hanging over me anymore. Also, I knew every month I had to have that amount, so it helped me stay on a budget.

    Working Cambridge impacted my life. I’m very disciplined now. At that time, I have ten credit cards. Now, I have one for emergencies only. And mostly, now, I’ve learned too, if I don’t have the thing, I’ll wait till I get cash to pay it. I'm not putting it on credit and I learned that from Cambridge, and I’ll never get into that debt again. I would recommend them to friends.

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    Customer ServicePriceStaff

    Reviewed Jan. 4, 2019

    I wanted to consolidate my multiple credit card debts and get those paid off. I Googled credit counseling companies and Cambridge had the best ratings so I sought their help. Their enrollment process was easy. I called in and my interaction with their counselor went fine. Their payment plan was very good and very lenient. I ended up changing my due date and that wasn’t an issue. I’m very satisfied with the cost too. Overall, I had a good experience. Cambridge is a good company and they have friendly people who are willing to work with you.

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    PriceStaff

    Reviewed Jan. 3, 2019

    I needed help with my debts, and enrolling with Cambridge was easy. It was just time-consuming because they had to get so much information from me but the person who helped me was very kind and sweet. I was able to get rid of debt that I had for a really long time, so it has allowed me to be in a position that I wouldn’t have been in other life. I never even looked at the cost because I knew that I was able to get things paid off and they were able to get interest rates and payments down, so for me, it was totally worth it. I highly recommend them.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Jan. 2, 2019

    I was at a point, financially, where I was considering bankruptcy because I acquired so much debt and felt like I was drowning. I had a hard time figuring out which path to take. Then I heard about Cambridge on the news. Some financial people and experts talking about it highly recommended Cambridge for their integrity because they weren't out there to make money and that they were in it to help people truly recover financially. So, I sat on it for months and months trying to figure out what was the best direction to take. Then I finally mustered up the courage to contact Cambridge and it was the best decision I ever made in my life.

    Enrolling with them was very simple and very easy. But it was tedious going through and listing all of my life creditors where all my debt was. It was like burying my head in the sand but I had to face it. And by doing that, I had to truly look at my debt and write it down on paper. Once I gave that information out, there was a lot of paperwork reading and going over things but it was necessary. I paid off my debt a year and a half early because I got an insurance settlement from my ex. I was more than halfway there when I decided to go ahead and pay off all my debts because I had some future plans that I wanted to do and part of that was to get rid of all my debt. So, paying off my Cambridge was a big deal for me and it was a priority.

    During the process, I got quarterly updates from Cambridge. They'd send me emails, checking in on me, and making sure I was on target. They wanted me to keep in touch and if I was having any problems, they were always available for me. But I didn't feel like I needed any intervention at that point. I felt like I was on course and I hadn't run into any problems, so I didn't feel like I needed to reach out to them for anything.

    After finishing Cambridge's program, I feel like I've been released from prison and that's how strong it affected my life. It gave me freedom and made me able to sleep at night. Also, the cost of their service was minimal compared to my debt, for what they did for me, and for the trust and the peace that I wasn't getting taken advantage of because that was my fear of turning to consolidating. I would recommend Cambridge. In fact, I have recommended them to other people who told me about problems that they have. I'm thankful that they're out there and I would tell others that they are not there to take advantage of you. They were truly there to help people recover from financial burdens. God bless them.

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    Customer ServicePunctuality & Speed

    Reviewed Dec. 31, 2018

    I needed help with controlling my debt. Instead of possibly using credit cards, I had to have them shut down as a plan of action. So, I called Cambridge. I was watching the Suze Orman show and when she said that debt management program was the way to go, I googled it and Cambridge was the first one that popped up. When I enrolled, I had my information that they requested to get started and it wasn't hard. They rocked it and every time I called, they answered whatever question I needed. They also sent me emails and I was compliant with whatever I was asked or requested. They got a good thing going there.

    Now I have graduated from the program and it gave me such a great feeling. But it seemed like it went by so fast and I'm amazed. I've referred them to others and they also got on the program. Cambridge was excellent and consistent. They helped me a lot and now, I'm almost debt free. I still have a couple debts that are outside of the program and it helped me with planning better because I'm now setting my goals up for the year and I'm planning that by the end of the year, I only have one more debt that I have to pay off. Then hopefully that would be taken care of next year. I'm gonna keep referring people to Cambridge and I hope that I don't have to get back into debt then they'd have to help me again. But if I ever get to a point where I need it again, I'm most definitely be going to them.

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    Customer ServiceStaff

    Reviewed Dec. 30, 2018

    I had credit card debt. I made a call to Cambridge, spoke with a gentleman, and he seemed to make me feel comfortable. I felt that he was really sincere in trying to help me and I was right. He took the time to explain to me what was going to happen, the different services that Cambridge had. The enrollment process was very easy and everything went so smoothly. The counselor was understanding and he answered questions that I had, the problems that I was having. I was impressed with the caring. I never felt like I was bothering anybody when I made a phone call if I had questions.

    I was in the program for five years and Cambridge was able to talk to the creditors and consolidate and get a payment that I could handle. There was one time that I had to put my payment two days longer to be able to cover it. They were very understanding and I had no problem. I just finished the program and it has given me my life back. It has helped me realize and budget money better than I was doing. The ongoing customer support of Cambridge is fantastic and good. I’ve recommended a couple of people. Give them a call.

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    Staff

    Reviewed Dec. 29, 2018

    I wanted to get my debt in order. My fiancé at the time did business with Cambridge and he suggested I went to them. Cambridge told me that I had to make the payment monthly and on time. I was able to make the monthly payment and it was a direct deposit. The credit counselor was perfect and I had no issues. We set up the contracts and I did what I needed to do to get it done and over with. The ongoing customer support was fantastic. If I had a problem, they just helped. They were very efficient. Cambridge helped me get my credit under control. All my stuff is paid in full, so I don’t have to worry about any of my past creditors. I would recommend them.

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    Customer ServiceStaff

    Reviewed Dec. 28, 2018

    I lost my job, so I got behind in all my payments and messed up. I had done debt consolidation before, so I knew that was something that I needed to do. I needed help, so I decided to call Cambridge Credit Counseling and ask for help with debt consolidation when I heard what they were saying on the radio. The enrollment process was really good. The counselors got in touch with me through emails most of the time, but I also called them a few times and they answered me. They did really well and the way they helped me was really good. They told me the ways I could handle the budget and they helped me to realize how I could do better in making decisions and payments, and in buying things.

    Cambridge consolidated my debts and made the payments through my bank. The quality of the service that I received from them was very professional and of good quality. Working with them made me think how I could do better in my life and be more organized. It was hard to do the debt payments because I had to pay a big amount monthly. So now, I will think twice before getting into the same situation since I don’t wanna do that again. At this point, I have already completed the program and it has been wonderful. Through this company, I learned how to do things little by little till I finished settling all my bills. I wish more people would know about Cambridge, then they could seek for help.

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    Response from Cambridge Credit Counseling Corp.

    Saul, we're sorry to hear about the circumstances that put you into our path, but we are very glad to hear that you have benefitted from our financial education and you have completed our program. Congratulations! It's important for us to help our clients understand that "little by little" is a great approach to paying back your debts. We hope that you continue to use budgeting as your best tool for organizing your finances!

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    Reviewed Dec. 27, 2018

    I needed debt consolidation and Cambridge Credit Counseling seemed the easiest to work with compared to other companies. I didn’t communicate much with them, it was just whatever I owed was just deducted automatically and it took me three and a half years to complete the program. Their services helped me get out of some debt that I was in.

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    Reviewed Dec. 16, 2018

    I bought a timeshare and I would have paid off one and then, I was talked into getting another one. I was so upset about the 35,000 that I lost and I didn't want to pay it. But the Cambridge rep made me feel comfortable, talked me through it and said that I should pay 'cause that would ruin my credit. Cambridge Credit helped me pay $5,000 down. It has been a good experience because my credit has been good. They send me a statement every month saying how much has been paid and how much I owe and they do it in a timely manner. It's helping me and I can move on. I'm happy that they counseled me and I came to an understanding. If I had to do it again, I will contact them and go through them again.

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    Customer Service

    Reviewed Dec. 15, 2018

    Cambridge did debt consolidation and the application process was easy. I just called in. I was very impressed with the counselors in the beginning but through the process of it, I wasn’t impressed at all. And I was very discouraged amongst the closing of my completion of their program. I was getting payoff letters from all the stuff and I asked what was my payment gonna be because it wasn’t gonna be what it was scheduled at when I had three things left and I couldn’t get information of that. They said in the following week I was gonna get a call explaining this and that on the 3rd and I never got anything at what they said they were gonna do.

    I would call and this one would connect me to that one. They kept telling me they were gonna do X, Y, and Z, but they didn’t. I never got a follow-up phone call about completion and final payment, nothing. It was just like I was wrapping up with them. So they didn’t really care too much. I never heard from anybody from them unless I called. And if I called with a question or concern, sometimes, it was days before they gave me an answer. They couldn’t even give me an answer. They would tell me they would send me an email.

    Cambridge came up with the number that I had to pay monthly and that was what I paid monthly. I don’t know if I was necessarily on a payment plan. I don’t really know how it went. I had to pay an X amount of dollars a month and then they dispersed it to who they needed to disperse it to. They just make everything sound very good in the beginning to get you signed up and then kinda falls off throughout the course of the program. They did what I needed them to do but I hope to God I’ll never be in that position I was in again. I wouldn’t really go around recommending them.

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    Response from Cambridge Credit Counseling Corp.

    While we appreciate Mr. Hickman choosing Cambridge to help him resolve his debt issues (a successful effort, it should be emphasized), that puts us in the rather awkward position of correcting the mistakes he made in his post. Without going into detailed personal information, here’s a summary of Mr. Hickman’s experience with Cambridge.

    Mr. Hickman’s primary concern appears to be a lack of communication and responsiveness from Cambridge as his debt management plan ran its course over a period of 31 months. In fact, we communicated with him by phone, letter and email, and each of those messages was recorded or retained. Those records indicate the following:

    On 5/10/16 Cambridge called Mr. Hickman to let him know that one of his creditors required a slightly higher payment than had been originally estimated. We also sent Mr. Hickman a letter with this information.

    On 5/11/16 Cambridge sent an informational email to Mr. Hickman, outlining the contents and benefits of his DMP.

    On 5/16/16 and 6/15/16, Cambridge sent a series of post-counseling emails to Mr. Hickman.

    On 6/26/16 Mr. Hickman called Cambridge’s Client Services Department to let us know that he was receiving calls from one of his creditors. We reviewed the information we had previously sent to Mr. Hickman, describing the increased monthly payment required by the creditor in question. Mr. Hickman said that he hadn’t received our earlier phone messages or letter, but he did agree to his creditor’s payment requirement.

    On 7/6/16 Mr. Hickman called our Client Services Department, informing us that his problematic creditor had sent a letter indicating they were prepared to pursue litigation.

    By the close of business on 7/7/18, Cambridge had made contact with the problem creditor and resolved the issue to the satisfaction of both parties. We called Mr. Hickman and advised him that the issue had been sorted out, describing the work we had done on his behalf.

    On 7/14/16, Cambridge sent Mr. Hickman a 3rd educational post-counseling email.

    On 3/2/17 Mr. Hickman called to inform us that one of his creditors had contacted him about a payment issue.

    On 3/9/17 we resolved the issue with that creditor on Mr. Hickman’s behalf. He did not need to take any additional action.

    Seven months later, on 10/16/17 Mr. Hickman called Cambridge and asked that we provide him with all of his account balances and creditor phone numbers. These were readily available on the statements his creditors continued to send him monthly throughout his DMP enrollment, but on 10/19/17 we emailed Mr. Hickman the balances and phone numbers he had requested.

    On 4/30/18 Mr. Hickman called Cambridge requesting to know when he would complete his program. One week later, after contacting each of the creditors remaining on Mr. Hickman’s DMP, we emailed him an updated estimated repayment term.

    On 8/15/18 Mr. Hickman called Cambridge to provide us with an update to his address. He also advised us that he had changed banks. A new ACH withdrawal authorization form was emailed to Mr. Hickman, so he could provide us with appropriate details.

    On 9/14/18 client Mr. Hickman called Cambridge to find out if he was done with program yet. He was advised that he should be getting final payment information soon.

    On 9/18/18 Mr. Hickman called Cambridge, indicating he was under the impression that his 9/18 payment was going to be his last. Cambridge’s representative advised Mr. Hickman that he still had a single account remaining on the DMP, and that he would be notified when it was time for his final payment.

    On 10/4/18, a Cambridge representative called Mr. Hickman and advised him that his 10/18 payment would be his last. The precise amount of that final payment was discussed, and Cambridge sent a final payment notification to Mr. Hickman’s email address.

    On 11/15/18 Cambridge mailed a completion package to Mr. Hickman.

    In summary, over the course of Mr. Hickman’s 31-month enrollment, Cambridge helped coordinate payments to the 13 separate creditors he had enrolled in his debt management plan. In keeping with our contract, Cambridge worked diligently on Mr. Hickman’s behalf, securing interest rate concessions and other benefits that allowed him to save money and avoid litigation while paying down his accounts safely and responsibly. We also resolved the two minor creditor issues that arose over those 31 months.

    In addition to the initial counseling sessions conducted prior to Mr. Hickman’s enrollment, we also communicated with him as detailed above, and, again, as our stored records indicate. It occasionally happens that emailed messages from our agency may be caught in a client’s junk mail file, and we suspect this may be the case with some of our correspondences with Mr. Hickman, though, from the content of some of his calls to our agency, it is certain that he accessed some of them. We want to stress that Mr. Hickman was a valued client who made his payments on time, and who benefitted from his relationship with our agency. We continue to wish him the best, both personally and financially.

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    Reviewed Dec. 15, 2018

    A friend of mine used Cambridge so he suggested them to me, and they were able to help consolidate all my credit cards so I could pay them off quicker. The counselors and I emailed back and forth but I never really had to call about anything ‘cause it was all pretty much the way they said it was gonna be. I was very comfortable working with them. For the payment plan, they asked me what I had for credit and then asked what I could afford each month. They worked around that and it was manageable. Cambridge has made it easier to pay my credit off ‘cause I wasn’t worrying about how I was gonna have the money that week. It was just one payment a month. The program took a little over 3 years and I was very relieved when it ended. Now, I have no bills and my credit score went way up. I would refer people I know who are looking for someone to Cambridge.

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    Response from Cambridge Credit Counseling Corp.

    Kimberly, we're glad to hear about your experience on our program. We make sure that our clients can fit our monthly payments into their budget once our certified counselors help you complete a full budget analysis. This analysis tells us and you where your income is going, where you can cut back, and what you have left over each month. We strongly recommend keeping a budget even after your time on our program. Thanks for taking the time to leave us a review!

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    Reviewed Dec. 14, 2018

    I had credit card debts and Cambridge was suggested by the company I worked for at the time. I went with their debt consolidation. I had to identify each credit card and the amount due. They worked with the creditors and negotiated the interest rate so I didn't really pay less. It was just a matter of not having compounded interest. The counselors I worked with gave monthly statements so I knew what was being paid. It was a direct withdrawal from my account. And as one card was paid off, then it was applied to other cards. So, the cards got paid off quicker as more loans were paid off.

    Initially, I had questions as far as how the program worked, but that was explained clearly and the program was executed as explained. It was straightforward. The payment was discussed before the plan was even set up and I needed to make sure it was doable. In the end, working with Cambridge relieved my stress as my credit card debts were paid off. They're a great organization, reputable and professional. The fact that I could trust them was the biggest thing. I recommended them to my daughter and her husband.

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    Reviewed Dec. 13, 2018

    Cambridge is a great company to go through if people need help with their credit cards. I had a credit card debt and sought for Cambridge's services. The service they provided was to pay off the card. The Cambridge rep took all the information down and gave me a monthly amount that I could afford and worked great for me. And every month, I got a statement. Also, the cost I paid Cambridge for their service was very cheap.

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    Reviewed Dec. 13, 2018

    Cambridge had a fella that came on once a week and talked about how we could work with getting rid of our debt. After a few times of listening to it and me getting frustrated with it, I called them. The counselor that I had initially was excellent with how he worked with us to get everything organized. He was able to help us out on how to organize all our credit. Everything was very smooth. Their communication was well done. We finished our last payment last month. It took us three years for us to get it all because we were on a tight budget. We just moved things around and cancelled a few things.

    Now, we're debt-free on that particular part with credit cards. Cambridge helped us to get the stress off monthly knowing that it was being worked on. With them paying for everything by giving them a set amount and let them work it out with creditors, that was peace of mind. I'm very relieved that it's all paid off. I was very impressed and I appreciated them very much. I recommend Cambridge to a lot of people. If something ever came up where we had to do it again, I would use them again.

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    Reviewed Dec. 12, 2018

    I put all my bills together and made one payment so that it was easier on me, and Cambridge Credit Counseling took care of that for me. Every month, they sent me a statement every month and they would let me know as items took place or as we paid things off because I paid things sooner than the program was set up for. It gave me the opportunity to make a payment to them, and then any and all extra payments or money, I could apply them towards whatever card I wanted to because some of them didn’t have a lot of balances on them, like less than $1,000. When we set the program up for the single payment, I started addressing single items at a time to eliminate them from the program set up by Cambridge.

    The reps were upfront with me from the beginning and told me how everything would come down. Every month, they would send me my bill and if I had any questions, I would just call them. Alex would call me every three months and made sure that everything was going smoothly, if I had any concerns or if I needed to add any, or if I had paid off any that they were unaware of. They took care of the items right off the bat. They contacted the particular creditors and I got enrolled in the program. And from that point on, it was just one easy payment. The payment plan cut my payments down tremendously. I made one payment of the premium, but I paid two, whereas I was paying on nine. It eliminated seven individual payments and it was easier to make one payment. This was truly a program that worked and fit for me.

    I have paid everything off. I was supposed to be under a three or four-year program, but I took care of my stuff within a year and a half. I wanted the one payment instead of making all of the opposites because our company went to a twice a month payroll and it never failed to offset things. Cambridge was very reasonable with the cost for them to handle everything and take care of it.

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    Reviewed Dec. 11, 2018

    I looked into credit counseling companies briefly and I heard about Cambridge on a radio advertisement. I like how much the amount they could lower the interest rates on the cards and they also had some programs to stay out of that kind of trouble in the future. They offered me some counseling and advice, and it was a time well spent. We fulfilled our obligation early and we were able to give them a one lump sum. So, I've already completed the program and I'm relieved. It was costly, but they saved me a lot of money in the long run, not to mention my credit so it was worth the cost. The staff has been particularly impressive and were thorough. They were great to work with and very informative. I would recommend them to somebody. Cambridge was very helpful and got me out of a bit of a spot. My experience with them made a positive difference in my life.

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    Reviewed Dec. 11, 2018

    I was in debt up to my wazoo from all my credit cards. I did my research and talked to the Better Business Bureau. They said out of all the ones they had listed, Cambridge was the best. During the enrollment process, all I had to do was send them a copy of my bills, as well as phone numbers to the people I was dealing with for the credit cards, and they took it from there. The guy I mainly dealt with called every six months to make sure I was on track with what my goal was. We talked about what my goal was and what I wanted to do with the extra money I was gonna own when I finished paying off the debt. With his help, as well as with Cambridge, I was able to do that a lot sooner than expected.

    In addition, the counselors there answered my concerns every time I had to call and ask them about something. When I had trouble money-wise, they walked me through how to get to where I wanted. I gave them a list of stuff and they told me what I could cut back on and how to save money. They were very helpful. They also asked what I could afford and they’ve had to do within that limit. They took into consideration what I could afford and they came up with a payment plan. I've had to rearrange the payment plan once, but they said as long as I gave them at least a couple of days in advance if I will reschedule a payment, they would work with me. To sum everything up, you're getting more than what you pay for with Cambridge. They’ve answered my phone calls, and even though they may seem like silly questions to me, they didn’t mind, so it was well worth the money.

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    Reviewed Dec. 10, 2018

    Trying to find somebody that could help me with one particular credit card that was being difficult to work with, I called around and ended up with Cambridge Credit. I divulged my information, we went forward and I was comfortable with it. I was in a difficult situation financially, and they stepped up and allowed me to get on their program. I like that they were willing to help me with consolidation and paying off this one credit card. The counselor wanted to coach me, but I was determined to get my bills paid off. I did the automatic withdrawal for five years, and then it got paid off. Cambridge Credit was very helpful and we accomplished what we needed to do. They did a good job. I am out of debt, and I’m happy.

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    Reviewed Dec. 9, 2018

    I had a credit card debt. I talked to one of my friends and she was doing it with Cambridge. She liked the set-up that they had. When I signed up with them, it had switched over so I ended up going with whoever. I just wanted to get out of debt. I wished I would have had a better understanding of how much I owe this company, or this is where I'm at and this is where they ended up when the negotiation was over with. I never got that and I didn't really even understand if I really got help because, on some of the things that I added, it had been so long that I hadn’t paid the debt. They had pretty much already negotiated. I just paid on with Cambridge but I didn't know if they even told me, with that account, to get any lower than what I had already done. It was so overwhelming for me.

    Being able to see exactly how your payments are being applied and to see your debt going down would also be helpful in the fact that you're not a threat 'cause you see something happening. I was always at a loss as to where I really was the whole time. But then, anytime I had a question and I called in, I was able to get an answer and I was satisfied. When I started, I already had a mental note as to when I was gonna finish. I put my trust in Cambridge Credit Counseling and they got it all done. I'm happy it ended and I'm good.

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    Reviewed Dec. 9, 2018

    We were getting rid of credit card debt and found Cambridge when we were researching. Everything seemed right, so we just went ahead with them and signed up with their debt consolidation program. During the enrollment process, I gave them my credit card information and they went through the process of looking what would benefit to be in the program, what they didn’t need to be in the program, what they could and couldn't accept. In the beginning, my interaction with their counselors was a little bit more often. However since we were ahead of the schedule, I didn’t receive too many calls afterwards.

    I got everything running and I finished the program earlier than what was expected. Once we finished paying off though, I got a couple calls just to close out the account and make sure that we didn’t have any other issues. In terms of the cost in relation to the quality of the service, everything was perfect. Completing Cambridge's program made life a lot easier l when it got rid of all that credit cards debts. They said that the changes in our credit take six months once all the accounts are closed to start going up, but my credit wasn’t bad in the beginning. If somebody asks me about Cambridge, I'd definitely recommend them.

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    Reviewed Dec. 8, 2018

    I was so bad in debt, but Cambridge really worked hard and got me to 36 months to pay off my debt. I paid off $12,800, and everybody I talked to at Cambridge helped. It is not like some companies that you call and one person knows one thing and another person knows another. The reps at Cambridge have all been trained nicely and they all know everything. When I called Cambridge, I got different people but all of them were wonderful. They took the time, reached out, and made sure everything was corrected. I like the fact that they all worked together. If I had questions, they would help me. They also send out packet every so many months to read to let you know that it might be hard but it’s gonna be all right.

    I was getting phone calls saying that I owed money. The reps from Cambridge was able to look up the calls and they told me that it was a scam. I have a very wonderful experience. I feel very good that I'm debt-free now. They took care of everything. They also made sure there was nobody trying to use my name in anything. Cambridge is very nice. I’ve sent at least six people to Cambridge and they really liked it. My daughter has also done the program, and my girlfriend just started with them as well.

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    Reviewed Dec. 8, 2018

    Somebody that I trust recommended Cambridge's program to me. I signed up for their debt consolidation program and the process was really simple. I just gave them the information that they asked for, and then they did all the work on getting a hold of the different companies that I had debt with. The program has worked very well. They didn’t just do the debt consolidation, they did some counseling alongside that. The cost was very reasonable, too.

    Cambridge's customer support was always available if I needed them, so they did a great job. My counselors sent me emails every so often, and not very often at all. They would make a phone call just to see how everything was going. My interactions with them was very non-invasive. I could access updates on my account any time. But about every couple of months, I would get an email that kinda updated me on everything. I was very comfortable working with Cambridge, and the program worked perfectly for me. It definitely helped me get back on track with my finances. It was very easy to do. It didn't feel like it was something that was gonna harm my credit report in the long run.

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    Reviewed Dec. 7, 2018

    I felt good working with Cambridge. They were able to answer the questions I asked them and they did what they said they could do. They got the bills paid and it was great. Paying them out wasn’t that easy, but I was paying them out. The payment plan was low and I felt good about it. It was awful when I was struggling every month trying to pay my bills and Cambridge saved my life.

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    Reviewed Dec. 7, 2018

    After divorce, I was a single mom and I was having debts. I called Cambridge and I liked how they spoke. They explained everything very nicely. Then they set me up on a four-year program to pay off my credit cards and the payment plan was doable. They gave me options and I chose whatever was good for me. And I felt very comfortable working with the program. In fact, I put another credit card in with Cambridge Counseling for debt relief. I had opened another credit card because I had a car repair and needed to pay for classes. It's only $2,000 but I feel comfortable because they take care of everything.

    In working with Cambridge, I also started thinking more about managing money and how it's easy to get into debt. They even have this budget program that teaches you how to do your budget. When I had this program though, I had someone assigned me who called me once then when I was asking for advice next time, he never called me back. So that was not good. They can improve their communication, like calling back. Otherwise, the interactions I had with their counselors were good. They were very professional and polite, and they explained everything including the plusses and the minuses.

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    Reviewed Dec. 6, 2018

    I had out of control debts and I saw that Cambridge was endorsed by the Better Business Bureau. The rep was very professional and knowledgeable. They reached out to the companies and had the interest rate lowered. They came up with a budget that fit our income. The process went relatively well and I paid off my debt within five years. The payment plan was excellent and worked out fine for us. Also, I appreciated the email information they sent us. We read it and put some things in action, so it was good that they tried to be informative. The cost was well worth it and if we get into the same predicament, I would use Cambridge again.

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    Reviewed Dec. 6, 2018

    My wife had some surgery so we fell behind on a couple of credit cards. And with Cambridge attached to my company's employee assistance program, I signed up with them and had a great experience. I just made a phone call, did some interview over the phone and sent some documents via email, and then it was pretty fast.

    After that, they contacted our creditor and then got both of my interest rate and monthly payment lowered. They worked out a decent payment plan for me considering a lot of things like my monthly financials, power, water, etc. I had the payments directly taken out of my payroll account, and it worked out pretty good. I worked with Imma and I liked her personality and willingness to help. She answered my questions right away when I first started the enrollment. Then the reps even called to make sure that I was on track with what I need to do and to voice out their support. They’ve been awesome to deal with. I'd recommend them.

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    Reviewed Dec. 5, 2018

    We got behind in debt and Cambridge was referred to me by a friend. We used them for debt consolidation and the enrollment process was good. We were able to pay everything down and complete it. I was very comfortable working with them. It took a lot of the stress away.

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    Reviewed Dec. 5, 2018

    Cambridge really helped me. They took the money and consolidated my debt. The people that worked with me were good and friendly. The cost was very nice as well. I'm satisfied with Cambridge.

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    Reviewed Dec. 4, 2018

    Cambridge Credit Counseling was really outstanding. I was drowning in debt and I didn't know how to get out. I am a workaholic and I work around the clock. And their reps respected my space, which is something that I really appreciate a lot. But they were also helpful and reached out and they gave me good things to read. They helped educate me on how to be a wiser consumer and it stuck. Things have been going really well. A couple years I've had a lot of chaos in between marriage and divorce but we got everything under control. Right now I'm happily divorced and out of debt.

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    Reviewed Dec. 4, 2018

    Cambridge helped me coordinate with the credit card company to lower my payment and they put me on a payment plan with them. Enrolling for their program was easy, and I did it through the phone, so I didn’t have to go anywhere. It kinda got it all done really quickly. The program worked great. Having that debt sorted out and not having to think too much about it helped a lot. I liked that for the most part, the Cambridge counselors just let the process flow, but they were there if I needed any help. They were all very attentive. They listened after my concerns and I got everything squared away. The payment plan was fair, too, and the cost was the right amount. Cambridge helped me get a load off of me and it helped me balance out my life a little bit more.

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    Reviewed Dec. 3, 2018

    Cambridge provided us with consolidation services, and we were very comfortable working with them. They have a lot of experience in that matter and they were very straightforward and honest. They addressed our every concern and questions regarding the process, and I also received an email monthly. We completed our program in five years and it got us back on track. Our credit score went up. Cambridge's rates could be better but we were impressed with their negotiation power. I would recommend them.

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    Reviewed Dec. 3, 2018

    It seemed Cambridge’s plan was better provided what I was gonna do at that time. They took over a couple of outstanding credit card bills that I couldn't afford to pay. They also kept me updated with some information through the mail. Working with Cambridge has been good and I have no more problems with my credit cards.

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    Reviewed Dec. 2, 2018

    I had a hard time paying my bills and my friend told me to call a company. I talked to them and they referred me to Cambridge where I went into the debt settlement program. They showed me how to balance my checkbook and how to save money. They also used to call me and see how I was doing. I felt very good working with them and the cost was okay. I was having a hard time but I made it in four years. Cambridge has impacted my life very well and I get to save money right now. I talked to somebody about Cambridge a year ago and I would assure others that Cambridge can also help them.

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    Reviewed Dec. 2, 2018

    For the last few days I was so stress with all my debt. I decided to search to find someone that could help me. Upon searching Cambridge Credit Counselling came up and I decided to contact the company. Then Ryan ** answer and I gave all my credit card problem as well my summons of my credit card. Ryan ** explained to me everything. He was very helpful and care so much about my problem. He even contact me and email me to follow just to updated me. After few days he finally consolidate my debt without any hesitation not just like other company that they're trying to take advantage on me. I will recommended this company. 100% guaranteed that they will help you in any issue that you have. Ryan ** I appreciate everything that you've done with me now that I have peace of mind. That I know that this company Cambridge Credit Counseling will help other people like me.

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    Reviewed Dec. 2, 2018

    Business Bureau's stamp was on Cambridge Credit Counseling and that gave me reassurance. When I spoke to their advisors when I called, they were very helpful. I went with them and lined up all my debt. They worked on the numbers with me and asked me questions such as how much expense do I have in a month. Thereafter, I had to extend the payment date a couple of times and they were lenient about that. I just had to send them a notice that the extension was not a frequent thing.

    During the process, Cambridge sends me email notices here and there. If I had any questions, they were more than happy to answer them on the phone. I just finished Cambridge's program and I feel good about it. It was supposed to end in March of 2019 but it ended in November of 2018. They were able to settle some numbers along the lines between the payments. There was financial relief in the end. Other people who are considering Cambridge's service should sign up. They should call and ask to see what they are getting into.

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    Reviewed Dec. 1, 2018

    I had too many bills. I looked into counseling services and CreditAssociates' plan was more doable than some of the places we checked into and so we talked to them and they set us up. The payment plan that I had seemed impossible at that time, but with them doing it, it was easier than me trying to remember to do it each month. Their counselors were very helpful whenever I called them. One time, I had to skip a payment a month and they were okay. They understood and did not give me a bad time about it. I have finished the program and my two big debts are now gone. I'm very pleased. I was impressed with how fast it went and how informed I was on what was going on and how much I still owed. CreditAssociates is worth your time. If I were to get in the same situation again, I would call them again.

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    Reviewed Dec. 1, 2018

    I was dealing with a really contentious divorce and single motherhood led me to seek the services of Cambridge. I went with their debt consolidation and monthly payment plan, and they helped me through that stressful moment. I felt like it was the same as paying a credit card company and I knew I'd be able to pay off my debt quickly. As far as payments, Cambridge just kinda told me a number and I made the number work. I'm done with the program and I closed my account with them a month or two ago. Cambridge helped me pace myself for a hot minute when I got into a mess, and now I'll never get into that mess again.

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    Reviewed Nov. 30, 2018

    Thinking about the long-term future, I am getting older and opportunities to have one payment for my credit card bills will help a lot. I gave Cambridge a call and the rep understood my concern. I got Cambridge for debt consolidation and they worked really well with me. It's great because even my wife joined the program.

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    Reviewed Nov. 29, 2018

    My husband had passed away and left me in a house that I couldn’t afford so I had to move. I used up my cash to buy a house and had to incur all kinds of expenses. And with the debts that I had even before my husband passed away, it was hard for me to get control of the payments. He was in charge of all the financial things so I was overwhelmed, I did not know how to build a budget and I was spending too much. I then called Cambridge and they were very nice. They helped me gather my total debt, what my bill payments were for the individual credit card and the interest rates I was paying for those. I was paying too much in interest and I wasn’t able to cover my monthly bills. I also had bills like gas and electric.

    The reps at Cambridge walked me through things, made a list of all that I owe and they made a plan. They negotiated with the credit card companies, got the interest rates reduced and reached an agreement on monthly payments and consolidating. So, all I had to do was pay a monthly fee to Cambridge and they would disburse it to the individual creditors. Cambridge really removed a lot of stress on my part. I’d recommend them to others who are in a similar situation. You don’t need to be constantly stressed, worried and feel worthless because you get to a point where you feel like you’re a lousy person. There is light at the end of the tunnel, and Cambridge will help you to find it and get control of it.

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    Reviewed Nov. 29, 2018

    I didn’t wanna declare bankruptcy and I wanted to pay my bills so I got Cambridge Credit. They set up a payment plan, and we did an automate deduction out of my account. They paid off my creditors for me. I was impressed by how willing they were to talk to me. I would ask how much more do I owe because I would like to pay it off earlier around that line. The rep I worked with specifically most of the time was always able to get back to me that day or the next day and tell me. I recommend them.

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    Reviewed Nov. 28, 2018

    We had some credit cards that we were having some trouble paying at their minimum. I called 10 debt consolidation companies and we did a lot of research with some of the other ones that were out there. Cambridge offered what we needed and based on the research that we did with regards to reviews and about their company, we decided to go with them. They were able to negotiate lower APRs for us that we were able to set up a manageable plan.

    The process took two years and it was a very successful program for us. However, we had a problem with a medical bill. Cambridge put the medical facility as a part of our plan and we were sending money out thinking that it was getting paid. Then, all of a sudden, we heard from the medical facility that we haven’t been paying the required minimum. They said they don’t recognize Cambridge. I didn’t find out about it until a couple of months later that there was an issue but with everything else, the cards were closed and we were able to pay everything.

    The rep that we dealt with was excellent. He walked us through the paperwork and if I ever had any questions, I was able to contact them directly. Also, we would call regularly to give our credit card balances and they always picked up immediately. The payment plan was very comfortable and we were able to meet the payments. We never missed one and it worked out very well for us. I recommended Cambridge to family members and friends just letting them know that it's a very good program. I let them know how the process works, and where they close your cards, call, follow up and work with you throughout the process. They were great and it was a very positive experience.

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    Reviewed Nov. 27, 2018

    Cambridge helped with consolidating my credit card debt and then paying it off. I talked to their counselor in the beginning and got everything set up. It was very helpful and easy to do. Then they just sent me emails every once in a while for my statements. Everything went fine and I had paid everything off. It helped me get out of debt and made things more manageable. Everything was very worth it and I had referred somebody to Cambridge. It’s definitely something you should do if you have a lot of credit card debt.

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    Reviewed Nov. 27, 2018

    I wanted to consolidate things and get them paid off quicker with a lower interest rate. I researched and Cambridge had a lot of good reviews. The Debtors Anonymous groups also suggested Cambridge. I enrolled with Cambridge's debt consolidation program, and the enrollment process was a lot easier than I thought it was gonna be. At first, I had questions about the interest rate, including how the process worked as far as dividing up the payments to different creditors. They explained everything very well and emailed that in writing. The payment plan worked very well. They explained why they did what they did, and everybody agreed to it, and the answer was straight.

    The counselors that helped me were very nice and were always there if I needed questions answered. They weren’t demeaning and they impressed me. They're very helpful, with lots of emails and literature on the attitude of how to consolidate the debt but to stay out of it. If my personal agent wasn’t there to help, somebody else was always more than willing to help out. I completed the program a month ago, and Cambridge did well. I did it in association with Debtors Anonymous and it was the main reason that I didn’t get in to any more debt and got it paid off. I'd recommend Cambridge to anybody.

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    Reviewed Nov. 26, 2018

    I had a good experience initially talking to someone on the phone at Cambridge and then throughout the process, I had very good interactions with my rep. I had a reasonable payment plan and was able to complete the process within an appropriate period of time. With that, I would recommend Cambridge.

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    Reviewed Nov. 25, 2018

    I had Cambridge consolidate my credit card debts and I had a good experience with them. I was more comfortable with them. I looked into another company who was too much of a quick fix. People at Cambridge were also always very helpful and they answered the phone when I called. The payment plan that I had wasn't easy to pay but it was doable. The only concern I had as I skipped the payment once and Cambridge had told us that there were only two of the cards we couldn’t skip without problem. And so, we skipped one, and then one of them ended up being a problem. So, there could have been more understanding on their part of not being able to skip payments. But then I just recently completed my program and it was a relief to get my debts taken care of.

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    Reviewed Nov. 25, 2018

    Cambridge had a good BBB rating and feedback on Facebook and so I used their services. They provided me with credit consolidation. They worked with the creditors and then they took the balances and divided it up by the amount of time they were going to let me pay it off. Their team was friendly and answered all my questions and I was very comfortable working with them. I finished the program and I had everything paid off. My debt was gone and that impacted my life immensely. Cambridge was really great, professional, and the cost of their service was worth it. I would recommend them in a heartbeat.

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    Response from Cambridge Credit Counseling Corp.

    Tara, thank you so much for telling us about your experience with our debt management program. It's great that you were able to use other websites to find more good reviews about our company. Excellent work becoming debt free, and thank you for recommending us!

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    Reviewed Nov. 24, 2018

    My daughter knew that I had a little more than I could carry so she suggested for me to try Cambridge Credit Counseling. Cambridge and I agreed with what they were gonna do for me and that’s what they did. They kept sending me letters, but I didn’t get involved ‘cause I couldn’t see and hear that well so I just looked enough to understand what was going on. Then, I had the payment direct through my checking account so that wasn't a problem. I got two debts through them which helped. Everything went as we had planned. It paid off some credit cards without adding and I’m gonna keep it that way. I don’t want to get back into all of those credit cards anymore. It also made me aware that I didn’t have to be charging as much. Overall, I was satisfied with them.

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    Response from Cambridge Credit Counseling Corp.

    Hello, Willie Mae, thank you for taking the time to review our services and congratulations on completing our program. We're glad that you have learned to watch your credit card spending. A good rule to observe is to only use a credit card for purchases you can already afford! That way, it's easier to stay debt free.

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    Reviewed Nov. 24, 2018

    Due to high credit card debt and I went to Cambridge Credit Counseling. Dealing with them was very simple and straightforward. They wrote letters to my creditors, negotiated lower interest rates, and set up monthly payments. They did it for four years, and I'm debt-free now. At the beginning of the process they call me to see if I had any questions, but because I work from home and work all day, it was hard to have any meaningful interaction. I was just happy with the emails they sent every month with the summary of my expenditures or payments. That was all I needed. The payment plan was very manageable. I pay $43 a month. It was much more manageable than the amount I owed at that time. They really helped me out with that. I'd recommend Cambridge Credit Counseling.

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    Reviewed Nov. 23, 2018

    I told one of my cards' creditors that I was thinking about looking into credit counseling services and they called up Cambridge Credit Counseling and referred Cambridge's number to me. I reached out to Cambridge and I was trying to get all my debts under one roof. I was paying my debts individually and it was a lot to keep track. Cambridge helped me put my debts under one umbrella and work out something to where I could eliminate my debt because that was a program and it was trying to get my debts under control.

    They gave me a four-year program and we ended a little earlier than anticipated. The interactions I had with the counselors were great. They answered all the questions that I had. I had a couple of concerns about one of the creditors that I put on there and they did a really good job in helping me through that. When I called Cambridge, they really gave me some good information that helped me go back and be specific about what I needed the creditor to do, and we ended up getting the issue resolved.

    My experience with Cambridge Credit Counseling was good and the program was stress-free for me. Once it started, they did what they were supposed to. They sent me out a statement every month, so I knew where I was at to keep me on track or keep me updated. I looked forward to the past year because the debt it was going down and it was a little encouraging for me after seeing that was being done. I felt better knowing that I don't have the debt over my shoulder. I got everything that I needed and they delivered on what they promised to do. They did me great service and if someone would call me, I'd recommend Cambridge based on what they did for me. They lived up to what they said they were gonna do. Anytime I called them, there was no big runaround. They were always directing me to where I needed to go.

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    Reviewed Nov. 23, 2018

    I did some research online and it appeared that Cambridge had a pretty good reputation. So, I contacted them. Their enrollment process was easy and I didn’t have a lot of difficulty with it. As long as you have your information together, that works easily for them. The program did exactly what it said as far as consolidating all of my payments. The process of automatically drafting the payment was really convenient and it was very simple to add creditors if you need to. It was also a lot easier for me to make one payment to Cambridge instead of making several payments to the accounts that they handled for me, and it was wonderful to get those accounts out of collections and getting paid on.

    Other than that, Cambridge's reps offered a little bit of financial education which was all online. So if you chose to access them, you could learn a lot and improve your financial literacy as well. People that find themselves in those positions, like myself, could really benefit from financial literacy and learning about budgeting, so that they don’t return to those situations of overusing credit cards or spending beyond their means. That was the most important part of my experience and the program wouldn’t be so successful unless it had that component that they offered to their clients. I was very satisfied with their services so I would recommend it to somebody else if they had the same situation.

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    Reviewed Nov. 22, 2018

    One of my friends told me about Cambridge and I was enrolled with their program for four years. They were wonderful and I recommend them to anybody I know who’s having difficulties. The program helped me tremendously and I didn’t have to sit down and figure out how I could pay all my debts off. Since I worked with Cambridge, I’m saving $1,000 a month.

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    Reviewed Nov. 21, 2018

    By the time I completely retire and I'm on a fixed income, I didn’t want any bills other than household. So, I wanted to consolidate my credit card debts. I got Cambridge out of the telephone book and the gentleman that helped me the very first day was very helpful. We communicated on and off on the phone all day, sent papers back and forth, and faxed them. I had a four-year plan with Cambridge and my amount with the consolidation was close to $10,000 of credit cards. I was giving them $210 a month for four years and it ended about two months ago. Everything is all complete now and one of the companies sent me a check of 41 cents.

    The reps I worked with at Cambridge were very good and very helpful throughout the entire four years. Every now and then, they would send me questionnaires to fill out to know how I was doing and how my financial status was. Then I would send the questionnaires back. They were understanding as well and very efficient in everything they did as far as helping me and sending paperwork. The quality of their service was excellent and I would recommend them to anyone that was looking to consolidate.

    Before I signed up with Cambridge, I always looked and saw who was getting paid every month. So if I wound up with a late payment, I'd be in trouble because I would owe my creditors then I got a late payment added to my debt. Cambridge worked with the people that I owed and came up with some really good deals for me. They got me out of debt and without them, I would still be paying off those credit cards.

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    Reviewed Nov. 20, 2018

    I was in financial debt and my circumstances weren’t good. I had cut back my jobs and was only working part-time. I wasn’t able to make ends meet. Cambridge worked with my creditors to get the payments down for me. Their counselor was very professional and I could trust him completely. I sent them cash payment every month and they distributed it to my creditors. So it made my life a lot better and simpler than trying to work with the creditors myself. The whole process was wonderful. They helped me out tremendously until where I could get back on my feet again. I’m out of debt now and I consider Cambridge Credit Counseling as a blessing to me.

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    Reviewed Nov. 18, 2018

    Cambridge Credit Counseling helped us with medical bills. We found them on the internet a few years ago and I just continued with them. Their reps were all helpful, polite and easy to work with. They made the process easy to get everything set up. Cambridge made it more convenient and easy to make payments and keep track of them. So far, I'm done with the program and the overall cost was good. I was very, very satisfied with them.

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    Reviewed Nov. 15, 2018

    A friend of mine told me about Cambridge Credit Counseling. She said they took care of a lot of the problems she had and that I should give them a try too. I was making payment in my credit but credit cards kept charging all the extra fees. I went with Cambridge so I won’t have to use my credit cards and they took care of everything. The enrollment process didn’t take long. They asked me for all the balances in my credit cards and I gave it to them. When they called me back in two weeks, they said they contacted the credit card companies and that they can start the process and it didn’t take that long to do it.

    They told me everything that I had to do but I still have to make payments until they tell me to stop so that they can take over, which they did. After that, I can see if they're coming out of my statement from the bank directly every month. I also start matching it to my credit card receipt by the time it comes in. The quality for what they were charging me has been good. It wasn't much considering the dropping of the interest rate in the credit card, and if you calculate it, it was a lot cheaper with them. I pay them to do all the work for me and all I have to do is to have enough money in my account which I never had a problem with. I don’t have to worry about running short and if I do, I'd tell them in advance.

    Their reps told me everything upfront, so I have no reason to doubt their service and that's what I like about them. They did a great job for me. The service was good. They paid three some years and I didn’t have to do anything, and I know I didn’t have to deal with the credit card companies anymore. It actually improved my credit by them doing that. I already told people about Cambridge. If they have any problem with their credit card bill, they could contact them and they'll take care of it.

    So far, I'm good and I don’t have to worry about payment because if you have $15,000 credit owed to three different credit cards, let's say $5,000 each. If you pay the minimum of $150 for each one of them, it's gonna take four to six years to pay it off. With Cambridge, at three and a half years, it was paid at a lesser amount and lesser interest. So, they worked to guard your interest too. Cambridge Credit Counseling was great. If I have to do it all over again, I would.

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    Reviewed Nov. 14, 2018

    We were having a hard time managing our cash flow. Cambridge sent us a letter and I read it. It was worth checking out as we had been rolling over debts from one credit card to another, trying to chase the low interest rates, and it was getting harder and harder to manage that. Going with Cambridge would be kind of a compromise where we ended up paying more interest but less than full freight on a credit card. So, I responded to the mailer and we took off from there. The process was all laid out very clearly and it went exactly according to plan. I would have preferred if the interest rate was a little lower but it was better than the ones that they absorbed, so it was overall a win.

    We made our final payment last month and now, we don’t have a $1,600 per month payment anymore, so that's great. Working with them has stabilized our finances well enough that we could get our financial feet underneath us, so I'd say it has made a big difference. I'd also tell others to go for Cambridge. If you run the numbers and it can help you, then do it. It's like refinancing your house. The actual service of the organization and after we got started was pretty minimal. They seem to run a lean operation and they don’t have the typical kind of resources the Chase or Wells Fargo Bank would have where you can go online and do a lot of your transactions online. You gotta call people during the right time, during office hours, Monday through Friday, so it's a little bit of a nuisance that way. It's not what you're used to with financial institutions but there's nothing wrong with their service. That is just the way they run their business.

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    Reviewed Nov. 13, 2018

    We were deeply in debt and a friend recommended that we work with Cambridge. We did a debt consolidation with them and went through a 3-year program. We gave them all of our credit card information then they took care of everything else. They negotiated with our credit card companies what we had to pay, and then they charged us in one lump sum. Then on top of our monthly payment, we paid their $60 monthly fee. So now, we are out of our $30,000 debt. Cambridge provides a great service and they’re easy to work with.

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    Reviewed Nov. 12, 2018

    I used Cambridge Credit a long time ago and used them again. I had a good experience the first time. When they talked to me, they asked me about what credit cards I had, and how much they were, to see if I qualify, and I was able to get all of those credit cards paid off. It helped me get back in track. Cambridge helped me from having those credit cards going to any type of overages or collections. They helped me to where it didn’t affect my credit at all.

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    Reviewed Nov. 11, 2018

    To get my credit card debt paid off, I went through Cambridge Credit Counseling. Their application process was easy. Their reps were very professional. I talked to them a couple of times and got a couple of emails from them. I made the payment we set up every month. I put it in my bank and they withdrew it. The program got me out of debt and my debt was paid off. My experience with Cambridge worked out wonderfully and it did what I wanted it to do.

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    Reviewed Nov. 10, 2018

    At first, I got hooked up with guys that took all of my debt and combined it together, then I paid them one payment but it ruined my credit. I did that for about a year. I remembered that about 25 years ago, I used a credit counseling service and it didn’t affect my credit. I looked up online for somebody and found Cambridge. To enroll, I had to gather all my debt and then hand it to them. They calculated how much my payment per month would be and how long it would take. They take care of the debt as long as I have the money in my account. I don’t have to fool with that anymore makes the program good. Plus, anytime I had a question, I just called them and they had the answers. They worked out good and made me feel good. The program took 44 months to complete and my credit score went way up. It was down in the low 600 and it’s up over 700 now. I was paying them $500 a month and it was an awesome bunch of money. Now, it’s paid off. The cards are gone and I don’t have a debt anymore and I have the $500 to use as I want to.

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    Reviewed Nov. 8, 2018

    I called Cambridge Credit Counseling to check the option or what kind of service they can provide, and see if they could help me to negotiate to lower the interest rate of all the high-interest credit that I have. I felt like they were more honest and I didn’t feel like they tried to take advantage of my situation. I really like them. They don’t call me all the time. They only shoot me an email and check if I need anything. If I need something, I reply, and if I don’t need anything, I don't. They do not even bother to call me and just try to check on me or try to sell me something or whatever advice that they will try to give to me. Cambridge works for me.

    The program was really good and the people were friendly and were not judgmental. They understand your situation and try to provide a timeline. I have finished everything as expected and I was actually three or four months early because, towards the end, I wanted to take care of everything, so I did it. It was also hassle-free because when I requested to close early, they didn’t give me a hard time. They just simply checked and said that I was good and I could close it. The counselor that I worked with was really knowledgeable and the fee that I paid them monthly was affordable. I panicked about my situation but the counselor made me calm down a bit and he provided a suggestion.

    At that time, I wanted to buy a new car, but I had a concern about my credit. He gave some knowledge or education about credit and its impact when I buy a car. He told me that if I really wanted to have the car, then I should get it. I was thinking about how bad my credit was, but he told me that my credit was not that bad as I thought. He said that I was an average, so I didn’t have to worry about it, and I felt very good. For us people who have the situation as I had before, the worry is about people trying to take advantage or cheating on you or trying to get money out of you, but you can trust Cambridge. They are very open book and honest.

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    Reviewed Nov. 7, 2018

    I was losing ground on paying off my consumer debt on my own. I needed not so much the supervision of a program, but the consolidation and lower combined payments are what I really went to get help for. Cambridge was recommended to me. On the phone, there were instructions on what I needed to provide for each of the accounts that were selected to be part of the program. I wanted to be part of the program but I couldn't be for one reason and it was explained why. They talked to me about needing to contact the creditors themselves to negotiate or to accept payments through this program and accept lower interest rates. The combination of the lower rates reduced the very painful monthly payments. But, as I recall, it was not any more painful than what I was doing on my own, for each of those. Also, it was easier to make and be accountable for in one focused place.

    The automatic payment processes were made on time. It was like when you have something you wanna save for and if you have it taken directly out of your paycheck and you never see it, it's easier to succeed. That's how this was for me. I see it in my account but it's taken care of without me touching anything. The process was painful especially as the five years went on. Still, when it was finished, I was happy. My half understanding of a program like that is, somehow I get hit on your credit report for not paying the full bills. Even so, what I liked about this program was that I'm still liable for the entire balance which I created for myself. So I was glad they're able to pay it that way with a lower rate being the benefit versus a lower principal. I'm sure I would've loved the lower principal but I didn't want the negative effect of what that might have caused.

    I was also being treated fairly respectfully. They have easy to understand requests and I also get some feedback when I have a follow-up question. Their transaction was good. I was happy with the service but I would have a suggestion for an enhancement for the monthly statements. Rather than just providing me with the creditor and what I paid them, I would've liked to see the creditor, what I paid them, and the remaining balance.

    The cost of service was well worth it. I didn't even have a monthly fee charge. I accumulated some more debt during the program though, I will admit. From that perspective, I wasn't 100% successful. I'm a whole lot better off than what I would've been on my own at this point in time. I would tell others that if they're having any trouble making accumulated monthly payments on a number of cards, I would highly suggest going to an outfit like Cambridge. It helps because it introduces discipline that isn't optional and sometimes, the best of us need a little bit of help in that regard.

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    Reviewed Nov. 6, 2018

    I had just lost my husband who died of cancer and I couldn't handle the bills on just my income. I enrolled with Cambridge Credit Counseling and went through a simple process. Their counselor didn't slide around any issues. He was upfront about everything, how long the process would take, what was expected and how to go about it. He worked the payment plan out really well and managed to put it at about the amount that I could take care of without having to worry. Cambridge told me it would be about five and a half years for everything to get taken care of, and it was about what it was. I'm all done with the program and it was a great experience. It took a load off my back.

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    Reviewed Nov. 5, 2018

    My sister had Cambridge Credit Counseling services and she told me about it. She said I would like them so I tried their service. The counselor called me and I told him what I wanted to do. He told me to give him my bills and told me which ones he was gonna take. I told him that I needed my Lowe's bill and I wanted to keep that in case something happens. So he did all that and Cambridge took out payments every month with my social security payment. We worked for about three years that way and Cambridge did very well. I'm proud and I'm happy that I worked with them and that now, I'm debt-free.

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    Reviewed Nov. 4, 2018

    My husband was sick in a hospital for a good four years which was devastating and it drained us. There was a lot of collateral damage that went along with it when we were trying to keep up with the finances and I had turned to credit cards to help pay for it but it just kept piling up. We were just spinning in circles with interest rates and we wanted to get all that paid off. The credit card companies would not work with us individually and that was sad. The other alternative we looked into was bankruptcy but we make too much money and that's not the way we wanted to go anyway. We really wanted to pay it all back.

    My son-in-law then found Cambridge Credit Counseling and I contacted them. I handed over the cards that I wanted to pay off, set the amount of payments and they did the negotiations and they were fantastic. They took care of it all. They worked with me and didn’t condemn me. They even have a whole lot of financial education material that's free. I made a commitment to pay my debts back and for me to stay on track was what they looked for. They even thought that we set the payment a little high but we knew we could do it. We set the payment at $1,329 a month and we paid it off in five years. We just finished this September. I kept my side and they keep theirs. Also, the fee they charged was well worth it. With their service, the cards get paid off and everything is dropping. They dispersed all the payments and did a lot.

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    Response from Cambridge Credit Counseling Corp.

    Linda, firstly, congratulations on completing our program. You should be proud of all that you've accomplished. We're glad that you were able to take advantage of our financial education and we hope that it contributed to your financial freedom. You made a commitment to pay your debts back, you set a firm goal for yourself, and you did it. Thank you for choosing us as your debt management company. Please, let us know if there's anything else we can do to help you.

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    Reviewed Nov. 3, 2018

    I had too many bills and I got overwhelmed. I called Cambridge and set up an appointment because I didn’t know if they were local. The man I worked with was very nice and he said we could do it on the phone. He asked me all the questions such as my salary and what I wanted to pay. He figured out what my monthly payments would be. He said he would contact the credit companies, and most of them would go along with it, which they did it. The credit card companies would not work with me, but when one credit card company said that if I get into a credit counseling insurance, my interest will be reduced and that’s what I did. Then, I put it on a bank draft, which worked for me.

    The man I worked with sent me periodic updates, newsletters, and bank statements every month. While I didn't have any questions, I'd ask about my balance, like there was a couple of bills that I paid off recently. I was over ahead of time, so I had a refi coming and I was told that the company would send it, which they did. Other than that, I paid $16 a month which was fantastic. I had five bills and then my payment was $207, and $16 of that went for Cambridge's services, and the rest of it, they divided it out. In fact, I paid Walmart $20 a month and then I paid CareCredit $50 a month.

    Overall, the services offered by Cambridge were very reasonable and it worked out fantastically for me. I've had a lot of financial problems but I'm getting on my feet now. I felt they could hurt my credit. It didn’t seem to because in between times, I had to borrow something from the bank, and I told them about it, and they said, “No problems.” I'm very satisfied with Cambridge. I would recommend them and if I had to, I would definitely use them again.

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    Reviewed Nov. 2, 2018

    I have never dealt with any credit counselors or a company. This was my first time hearing about them. I read multiple reviews about this company and so far I’m not impressed with their customer service. I have tried multiple times trying to get ahold of the counselor I spoke with. I received one return phone call, but was unable to take it due to a personal event at that moment. Upon trying to contact “Aaron” again, I’ve been sent to voicemails with no return call. I tried to ask my questions to another individual, but was told that I would have to speak to “Aaron” directly. He hasn’t been interested in talking to me about my questions. I am not impressed with the customer service I have received so far and I haven’t agreed to what we talked about; which makes this experience even worse! If they cannot talk to someone before they are enrolled in their program, how can one have peace of mind that they can be contacted when needed?

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    Response from Cambridge Credit Counseling Corp.

    Hi Melissa, thanks for reaching out to us! We hope that our follow up call with our counseling director was satisfactory in clarifying your concerns. We want you to know that we have taken this review very seriously and we have discussed it with our team. We do want to assure you that our customer service staff is available by phone and email if you are unable to reach your counselor. We're happy that you did decide to enroll in our program, and we look forward to starting with you this month.

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    Reviewed Nov. 2, 2018

    We had an issue with gambling with one member in our family, and we had some credit card debts. I went to Cambridge, and it was the best decision. I looked at all the reviews and at some consumer things, and they had a triple-A rating. I asked some questions and they answered them, and they communicated very well. They called back in a timely fashion if I had left a message. They did an extensive interview during the enrollment process. We did it over the phone and we went through the accounts that were of concern. They checked on their own to verify everything. The process was quick, streamlined and convenient.

    They made sure all the stuff from the creditors versus the information we gave matched. They contacted us back, told us they'd work out a plan, which they did. They contacted us again, went over the plan and what it entailed, what it would cost, how much per month, how many months, how many payments, and when we could expect to be done if we kept our part of the bargain, which we did. The reps were wonderful. After taking a financial hit through the gambling from a family member, having the credit cards seemed too high. The one good thing we had in our favor was that they were all getting paid on time, but it was taking a real toll on our end worrying.

    Going through Cambridge was the last resort. We wanted to pay what we owed and get some control because we understood that if they got involved, the interest rate would get frozen almost and drop to a lower thing with our promise to keep up with the payments every single month. We paid one entity, and then they dispersed all the money. The cost was reasonable. But I hope I would never have to do it again. I've been very down about it and very worried, but they were encouraging. The fee was small compared to what we were dealing with. They were able to get everything straightened out, they contacted everybody on our behalf and worked out something that was agreeable to both parties, the creditor and us.

    I'm looking at this five years later. I remember one of them running over the TV program and saying, "At this point in time, you'll be debt-free.” And here we are at that time, debt-free. I was very pleased. I would highly recommend Cambridge to anybody that would be unfortunate enough to get in a credit card debt. It worked so well for us.

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    Reviewed Nov. 1, 2018

    My daughter had used Cambridge in the past and so I also went with them. The enrollment process was easy. The service has also been great but yesterday, I was trying to call because I know I have a refund coming, and I couldn’t get through to an agent by their telephone system. It was very frustrating. I finally gave up and hung up. Other than that, the cost of the service was good and the payments were easily set up by Cambridge. I was able to get a new furnace and I'm also debt free now because of the program. Overall, my experience with Cambridge was very positive.

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    Reviewed Oct. 31, 2018

    I had gotten into some credit card debt and somebody was talking about Cambridge on the radio. So I reached out to Cambridge and it sounded like they could help. When I first started with them, they got everything set up. And once everything was set up, it was pretty automatic. I communicated with their reps when I had to reschedule a couple of payments and it was really easy. They were always pleasant to talk to and very helpful. They were easy to work with, to get into their system, and to get in touch with people there. Everything that they said happened, and I was able to pay off all my credit cards so much faster and I was freed financially. They were super friendly and every experience that I had with them was positive.

    I was with Cambridge for about five years and my last payment was in September. I’m out of credit card debt now and that’s a life-changing thing. It’s something I don’t have the burden of anymore. The fact that I was able to do it through Cambridge, not only saved me a lot of time but a lot of money. I would recommend them to anybody and everybody that were looking to get out of a credit card debt. Cambridge would definitely be able to help them out.

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    Reviewed Oct. 30, 2018

    I was at a point where I couldn’t keep up with the credit card payments. I reached out through my employer and I was recommended by them to Cambridge. I spoke to a guy named George, and I like him. He was very personable and he explained everything in a way that I could understand what was gonna happen. He was also patient with my questions. I also like what Cambridge has offered so I went with them. The enrollment process was easy. I just had to identify the cards and provide the last statement. I also paid off the lowest balances first, so that helped my credit faster than if I just started with the highest one. The payments were automatically taken from my account every month and the cost was reasonable. It was $15 a month.

    Cambridge lowered most of the credit cards’ interest rates. We also lowered the payment for a couple of months, and they figured all that out with the different credit cards. And then whenever I called, they were always quick to find an answer about what my balance was. Also, once the program has been set up, I didn’t really have to think about it, except for having the money in my account on the right day. I eventually got divorced, and so having the program already set up really simplified the divorce. The whole process worked perfectly. I used to have $180,000 in credit card debt but now, my credit is way up in the 700's again.

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    Reviewed Oct. 29, 2018

    I had an experience in the past that my money was taken and ended without proper use. After my research, I decided that Cambridge was a good program for me to get into. They provided me with debt consolidation services where I could make payment with no pressure of having to pay too much out of pocket. When I enrolled, the lady was very nice and very comforting to reassure me that they were gonna help me any way they could. My counselor also answered my questions to my satisfaction. He was honest and took care of my financial problems.

    It was reassuring to know that their customer support was checking me on any concern about my situation, and making sure that my payments were still okay for me to still be paid without any problem. I have completed the program and my experience had been wonderful. Working with Cambridge has relieved a lot of financial pressure and helped me to take care of my responsibilities without any pressure. At this time, I'm referring a family member to Cambridge.

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    Reviewed Oct. 28, 2018

    I was having trouble with my credit card debt and I heard good stuff about Cambridge Credit Counseling. Their enrollment process was easy and the guy who helped me enroll was nice. Also, I liked the payment plan that they set up for the debt consolidation and the program helped me get out of debt. Cambridge was a blessing and I would recommend them. In fact, I've told some of my friends and family about them.

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    Reviewed Oct. 23, 2018

    I had two credit cards and the interest rates were really high. Cambridge said they could help me pay the cards off and that was what they did. The counselors were very nice people and they were very knowledgeable. I had no problem getting in contact with them. They told me every month when they would send in the payment and how much they sent in. The payment plan wasn't difficult and it took me about two years to pay them off because they were really up there. I just got a letter from them saying that everything was completed and I got statements from the two credit card companies that it was $0 that I owe. Cambridge is a wonderful company that really helps you get on track and they got me straight. I am so grateful and happy that I don’t have to put out all that money. They have a way of working out with the company and the interest rates came down for them.

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    Reviewed Oct. 21, 2018

    I needed help with my credit card debt and the payment plan that Cambridge Credit Counseling Corp. set up for it was all right. It went on for three years and now the debt is already paid off. I felt though that I paid a lot to be in the program because over the three years, I paid around $1,000 which I might have saved otherwise. Other than that, I'm glad to be relieved of the payments.

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    Reviewed Oct. 20, 2018

    I was really in debt at that time and I needed help, so I called Cambridge Credit Counseling. The person who talked to me on the phone was really reassuring, so I went with them. Cambridge gave me a timeline and they even gave me a year when I would be finished. I gave them all my information and they took care of the rest. The payment ended up being a smaller amount than what I was paying each month if I were to be paying my debts individually. The credit counselor that I worked with was really nice. She gave me a lot of info right upfront. Cambridge would also call in and check up every once in a while, and they sent me little statements as well. They were super easy to get a hold of and I worked with whoever answered the phone. Everything went smoothly and I have completed the program.

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    Response from Cambridge Credit Counseling Corp.

    Cristina, thank you for telling us about your experience on our program and congratulations on becoming debt free! Our clients typically see lower monthly payments on our program due to the decreased interest rates. Those interest rates can have a big impact on your monthly payment and when you're able to get out of debt.

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    Reviewed Oct. 19, 2018

    I knew for a fact that I wouldn’t be able to pay off my two cards on my own. So I called Cambridge and they've helped me out well. The person that I got was good, and the enrollment was simple and easy. I just gave them my information and 1-2-3, it was up and running. So far, it’s going okay. The only downside is that the cards are cancelled. But Cambridge helped me get rid of those crazy credit cards. They also saved me a lot of hassle and money from interest fees. So it’s worth it. Cambridge has my approval. The quality of service is good and so far, it’s been a good experience. They’re say what they’re gonna do and they do it. The counselor called me when he had time, and was kind and informative. He gave me a due date for the payment plan and he’s only waiting for my checking and routing numbers. That would be the completion.

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    Reviewed Oct. 18, 2018

    I've dealt with Cambridge Credit Counseling before and I felt comfortable with them so I used them again. I had an issue when I first tried to make contact with them again. I had someone that I didn’t particularly care for that took the call initially. So I called back a couple of minutes later and spoke to someone else. The guy was able to accommodate me, consolidate everything, and get everything rolling. He just got right to the business and that was what I wanted to do. I just faxed over the information, and we went from there.

    I had a lot of debt and I was on their program for about four and a half years. I paid $196 a month and it worked okay. The first time I went through them, my payment was a little higher. Their customer support was good. As long as they have my email, they kept me abreast of what was going on, what payment came off first, or what was finished paying for first. They just emailed me and let me know. Cambridge was very good and I've recommended them to other people.

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    Reviewed Oct. 17, 2018

    I had a lot of credit card debts that I was trying to consolidate after the interest rates went up so high. I got Cambridge's services and the enrollment went really smoothly. They got my interest rate lowered on the credit cards then they consolidated it all into one payment that I made to them and they posted it. Everyone of the staff that I’ve spoken with was very helpful and very kind. We had great interactions. The payment plan setup was great too and I’m glad to be done with the program now. Cambridge was a huge help because otherwise, I would have been paying all those credit cards forever. I wouldn't have had any idea how to talk with the credit companies to get the interest rate lowered and go through all that. I would highly recommend Cambridge to anybody who needs their service.

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    Customer ServicePriceStaff

    Reviewed Oct. 16, 2018

    I saw Cambridge Credit in the phonebook and I took the chance with them because I've talked to other people and I wasn't getting anywhere. Nobody could tell me anything and the bank would just charge me a whole lot more interest in getting my credit cards off. We did everything over the phone when we enrolled with Cambridge, and it went really well. If I had any questions, I would call and ask Steve, and he would explain it to me. If I couldn’t get a hold of him, then I would talk to somebody else, and they helped me out too. I went through their program for four years and I've paid off over $10,000 of credit card debt. I'm really happy with that. I’ve talked to other people about Cambridge, and they thought that the amount I was paying was pretty high. But that’s the way things work. You have to pay for services. I was satisfied with Cambridge and I was glad when it was all done and over with. I’m debt-free.

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    Reviewed Oct. 13, 2018

    I got married and had a lot of debt going into the marriage. My mother used Cambridge and told me that she would recommend using them. I enrolled in their credit consolidation program, and working with them definitely helped. I got my debt paid off.

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    PriceStaff

    Reviewed Oct. 12, 2018

    Cambridge walked me through every step of the way. I got into their credit card consolidation program and my experience was very good. Cambridge's counselors were very appropriate, offered good advice, and my payments are done. The cost was very reasonable, too. I would recommend Cambridge.

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    Customer ServicePrice

    Reviewed Oct. 11, 2018

    I had some extremely high credit card bills. Cambridge considered everything that I had and they worked out a financial plan for me that I could afford. The program worked really well and that helped me to pay off my bills. I was able to complete the program. However, I had difficulty towards the end when the bills were hitting pretty low and I had to adjust the payment. Also, there were times when I had trouble getting the correct amount paid and I called in and told them the actual price. We had miscommunication and things didn’t get done exactly right.

    I ended up overpaying on one account and then when I was scheduled to make the last payment, I had the amount worked out and had that all set up. They transferred me to someone else to stop my electronic funds transfer, which should have been stopped after the last month’s payment, but they ended up stopping it too soon. So I had to do last month’s payment and deal with all that problem. Nevertheless, Cambridge made things a lot more convenient and I was very well-satisfied with the quality of their service.

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    Customer ServicePriceStaff

    Reviewed Oct. 10, 2018

    Cambridge's program worked great. When I called, most of the time I had different people, but I had one guy that would call me to keep me updated. They were always very informative and they always threw the answer on everything I asked. The cost is great, too. Cambridge helped me out quite a bit, and I would recommend them.

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    Reviewed Oct. 9, 2018

    I had cancer and there was a lot of things going on in my life at that particular moment so I thought I needed help. I went online and started looking at different places that would help me. Cambridge came up and happened to have the best reviews and people were saying good things about them. I gave them a call and asked them how they would handle things. From the moment I started working with them, they handled things in a really good way that made me feel good.

    They called the company that I owed the debt to and worked out the payment plan. They came back and made sure it was okay and that I could afford it. We went through what my financial obligations were at the time to make sure that I would definitely fit into my schedule and I wouldn’t wind up getting myself into a worse situation than I was already in. They knew how much I was making and what my bills were approximately per month. They took that into consideration to come up with a figure which was doable for me and where I wasn't gonna be stressed every month. I was set up from the get-go and then it ran smoothly from there.

    I had a specific person who took me from the beginning all the way through setting the payments up and the first few months, I would talk to him to make sure I was doing things correctly. Also, every once in a while, they would check in with me via e-mail or phone call to see how everything was going and if everything was good. Everything went fantastic with them.

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    Price

    Reviewed Oct. 8, 2018

    Cambridge paid my bill. They had a monthly fee that was tacked on, they cut down the interest rate and I just paid it every month on automatic withdrawal. The payment plan was doable. But at first, I thought the fee I had to pay was a lot and trying to pay off a bill and having to pay in addition to that seems counterintuitive to me. But then it was fine and they did their job. I wanted to pay off a bill and they set up a program, and that’s all I needed.

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    Customer ServicePriceStaff

    Reviewed Oct. 7, 2018

    Enrolling with Cambridge was really easy. They asked me how much I could afford and they set up the payment. I worked with a few of their counselors and they pretty much knew what I was wanting to do. I called them a few times and they were able to tell me how the program was going. It was really easy to talk to them, and they sent me a monthly bill statement. They set up the payment plan to where they paid more of the highest interest rate first. So it looked like they knew what they were doing. I've completed the program and it worked out good.

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    Customer ServiceStaff

    Reviewed Oct. 6, 2018

    I had a lot of credit card debt and was looking to consolidate and get out of it. I mentioned it in front of my parents’ friends and they told me that they have gone with Cambridge and that the company is awesome. I started seeing results after about a year but it took me five years clear up my debt. At first, going with the payment plan was difficult because I wasn’t working a lot of hours. As the credit card debt got down, I called and told them I couldn’t afford to make those payments. One of my bills was paid off and I asked if they could do a reduction and they were able to.

    They’re very professional, friendly and they care about the client. I dealt with a couple of different people from Cambridge and every time I called or had a question about anything, they were always right on top of it and answered it very politely. They called to check and to see how things were going and if they needed any further assistance with anything. That was the best thing and that impressed me the most.

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    Customer ServicePriceStaff

    Reviewed Oct. 6, 2018

    When I first talked to Cambridge, they were never condescending. They said that if one of the creditors called me, I should try to pay it and then they would deduct it from what went through them. Sure enough, there were two companies that I had to pay one month, and then I received information from Cambridge reflecting that it had been paid. It blended in so well that I didn’t even see it as a cost. They were doing the dirty work and taking care of my bills for me. I didn’t have to worry. I just sat back knowing that everything was taken care of. Everything was smooth sailing. Close to the end with the way my pay started shifting, I would call and they would always assure me I was good. Plus they answered my questions. I would highly recommend them. I hope I don’t have to use them again but if the need ever arises, they're my go-to company.

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    Staff

    Reviewed Oct. 5, 2018

    I wanted mostly to improve my credit score and also to get rid of my debts so I enrolled with Cambridge over the phone. I did the debt consolidation program and the staff was very friendly. I would recommend Cambridge. A lot of people don't like paying fees but I took it as an entire payment. And as soon as my debts were paid off, my credit score went up. It did go back down but that was because I was using a lot of my credit.

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    Customer Service

    Reviewed Oct. 4, 2018

    I was in debt and I was unable to handle the credit card on my own. I'd heard of Cambridge before so I reached out and tried them, and it seems that they've been around for a while. Once I made a call to ask a question, they took me professionally. They helped me to be debt free and right now, I’m relieved. It worked out well for me. I was stressed out when I came and now I’m lighter. I would recommend them to anyone.

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    Staff

    Reviewed Oct. 4, 2018

    Cambridge was highly rated and the gentleman I worked with was very nice, thorough and always helpful. The process went really well and quicker than I imagined. Everyone at Cambridge was very pleasant and I was very happy with how everything turned out. Anytime I had a question or if I wanted to add or take away something, they were always very nice to me. Working with them has helped my credit. I had never done that before and I was scared to do it, but it turned out to be very beneficial for me. If I was in a pinch, I would definitely utilize something like that again.

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    Punctuality & SpeedStaff

    Reviewed Oct. 3, 2018

    Cambridge was recommended to us by a financial adviser and they're great. They took our credit cards and we paid them then they paid the creditors. They were easy to talk to and they worked with what we could afford and what they could get with the creditors. With Cambridge's help, we were even able to pay our debts off early. It was wonderful dealing with them and I would recommend them.

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    Customer ServiceContract & Terms

    Reviewed Oct. 2, 2018

    At one time, I had a debt of $15,000. I got a call from one of Cambridge's representatives asking me if I have credit card problems. I asked her what we would do to help me out of the jam. She put me on a payment plan of 8 to 10 years thereafter paying $400 a month. Usually, when I pay off a bill, Cambridge sends me a contract stating I have paid. Cambridge also sent me a letter stating that creditors had overcharged me. The letter also stated that I needed to call Capital One, tell them that I overpaid $25 one time and $75 another time and that they owed me a refund. However, I'm still getting letters from creditors that I still owe $5 or $25. Still, I had a great experience with the company as I didn't notice payments were automatically deducted from my account. They treated me well and got me out of debt. Now, I'm back standing on my own two feet.

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    Customer ServiceStaff

    Reviewed Oct. 2, 2018

    I tried with another debt relief company but they weren't accepting any clients. I went to Cambridge and their enrollment process was pretty standard. I did everything online and talked to someone in the Agawam office. At first, I called up, said I wanted to pay my debt off, and I needed a quote. I got a callback from somebody telling me over the phone what I was gonna pay and I told them that that was not how we were gonna do it. I told them I wanted corroborating evidence of what the payoff was gonna be and they sent me something. In the payment plan they gave me, I paid $30 a month. I was in the program for two years and now the bills are paid.

    But it turned out that the payoff they told me was not what the true payoff was because I got a check back for $33.90 from Bank of America and now they’re telling me I owe them $3.04. I have no intention of paying it and if I have to, I will be over to the office in Agawam and Cambridge is gonna give me me back $3.04. Also, I have a very small credit balance on one of the other cards, so I was not even sure if they went through the credit card companies to obtain the balances. Cambridge should make sure they know what they're doing when they calculate the payoff balance. And they shouldn't call someone on the phone and tell them what their payoff is without giving them something to back up what they're saying. I had to ask to have something sent to me via either email or mail.

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    Reviewed Oct. 1, 2018

    I had quite a bit of money that I owed. Cambridge made up a plan for me wherein I could pay off all my bills. They did a good job and I completed their program. I'm doing better now and I'm very satisfied with Cambridge.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Sept. 30, 2018

    As an undergraduate, I racked up a lot of credit card debts. So, I was seeking for something to help me as I graduated from college to start balancing my financial life together. I had a colleague who had used Cambridge and she recommended it. The enrollment was super easy. The agent had me list all of the stuff I needed to be covered and he walked me through the process. Once everything got done, it was a peace of mind for me.

    The program worked because I just did one easy payment. I had more than eight accounts and it helped me organized all of it. Also, the financial information that was sent helped. When I would wonder about certain things, I would just look up what Cambridge had sent and I would use that. And I would call the counselor when I had updates to my account and it was quick and easy. I didn't have to go through too much information. I would let him know what account I paid and how much. I completed the program six months early and it took three years and a half overall.

    In the beginning, I thought how much it cost for the debt consolidation was a lot but as I started paying it, I realized how much I was paying per month and the interest. After I added all that, it wasn't a lot. The interest of what I would be paying afterward would have been way higher than the month-to-month payments. Also, it was an overall easy process and it was very helpful. If you're stressed out with your debts, Cambridge is a company that can combine all of your accounts together and make it easy for you. I have some friends that have gone through Cambridge since I have gone through the program.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Sept. 29, 2018

    I had been looking for a company that would do consolidation and had gone to another company. I had a conversation with them, started to sign up and started getting some negative information. So, I continued my search, which put me in a better position when I talked to the next one. And so, when I got to Cambridge and asked them questions, I felt like they were the ones that could help me get through my debt issue. The enrollment process was very easy. I had already gathered everything together so when I was told what I needed, I already had them.

    They told me they had to go to the creditors and negotiate for a payment. And once that was done, we talked about how much I could afford to pay. There was a worksheet that I could look at as to what my expenses were, what my receivables were and come up with something that would be comfortable that would allow me to live. After we went through that, they went back to negotiating with the creditors. And once that was done, they told me exactly what my monthly payment would be and how long I would be in the program.

    Whenever I called for some questions, I was able to speak to someone quickly. They answered my questions and I just moved on. I received correspondence, a kind of acknowledgement along the way that said, "If you need anything, let us know," or "How's it going? Did you wanna make any changes? How are you doing with your budget?" So, they were checking in. They were very informative to let me know where I was. I'm finished with the program. As we finished, they sent me notifications that say, "Your last payments are made. Keep a lookout for a letter from your creditors,” and also offered to assist in any way if there was anything else I needed before they closed the account. They also checked to see if I wanted to add any other companies. So, they were very, very helpful. I have recommended them to a couple of people and I know that at least one did enroll.

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

    Hello, Carita. Thank you for recommending us to your friends and family. We're very glad to hear that you've completed our program successfully and you're debt free! We have several departments all working together to make sure we're able to answer your questions as soon as we're able. Communication with our clients is important to us!

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    Customer ServicePriceStaff

    Reviewed Sept. 28, 2018

    I got disabled, and I had borrowed money on credit cards. When the disability was finally approved, I was not paid the back money. I wound up in the hole. We needed to renegotiate a way that we could pay it. Then I heard of Cambridge Credit Counseling on a discussion on Fox News. They were mentioned as being one of the reputable companies that handle credit counseling. Their enrollment process was very easy. All I had to do was call them up, tell them what I owed, what my problems were, and they took care of the rest. It was my wife who talked to their counselor about where the balance was and they were very helpful.

    It was big thing that they renegotiated the interest rate. Then they figured out what we could afford to pay and we just made that monthly payment. Every month it came right out of our checking account and it was taken care of. We’ve paid everything off now. The stress is gone and I’m happy to have gotten through it. The only issue that we had with Cambridge was there were things we didn’t wanna put in there but we were forced to put in by Cambridge to be able to negotiate with the other creditors. They explained that I didn’t have a choice. Nevertheless, it was a good experience working with them.

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    PriceStaff

    Reviewed Sept. 27, 2018

    We were pretty bad in debt, then we did a debt consolidation with Cambridge Credit Counseling. They helped us resolve our issues and get them cleaned up. The enrollment was perfect, and it was very self-explanatory. The rep kept us abreast with everything that was gonna happen and with what was going on. Everything that he told us went as planned.

    We only worked with just one rep in the beginning. He has assisted us and we've stayed out of future debts. We went over what we owed and what he was gonna do to help us as far as what we can do. Then Cambridge set up a plan that was much more comfortable than us trying to pay several credit cards off by ourselves. Everything has been auto deducted from our account. The cost was also fine. We're almost complete with the program, and we would tell others that we have a good experience with Cambridge and they are able to get us out of our debt.

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    Reviewed Sept. 26, 2018

    I was having some debt trouble and I wanted to pay off my credit. I got into debt consolidation with Cambridge where they distributed the money to the people I owe debts to. I talked to somebody about my finances, and they emailed me and sent me mail. They helped in getting rid of my debt.

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    Customer ServiceStaff

    Reviewed Sept. 25, 2018

    Everything worked out very well with Cambridge. It was a good way to get out of debt and to do it the right way. They consolidated all my debt and then I paid everything down monthly. The first interaction I had wasn’t too good though. But, when I had called again, the rep set everything up the way I needed it to be set up. The enrollment went very well and they were very helpful from start to finish. They came up with a payment plan that I could afford monthly and they tailor-made a program specifically to pay it off under the conditions of whatever income was coming in.

    The quality of their service was excellent. Cambridge got me out of debt and got me on the right track. They also followed up and checked in periodically to see how it was going. If I ever am in a situation where I need advice, Cambridge would be the first one that I would call. I am finished with the program and I recommend them.

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    Customer ServiceStaff

    Reviewed Sept. 24, 2018

    My ex-husband and I wanted to get rid of our debt and that was why we enrolled with Cambridge. Our aunt had used them before and she said that it got rid of all the creditors and all her debts, and that it helped her in the long run. A caller asked us information about our creditors and our debts. Then they tried to figured out a way we could get rid of our debt completely. They said we needed to escalate and we had to be strong, not to try to use the card and close all the accounts. It was affecting our credit in the long run but at least we were getting rid of the debt and we could start over.

    They were really helpful too. Normally, creditors will call and bark at you all the time to make you pay. But the people at Cambridge told me that I wouldn't have to worry about the creditors and that they would deal with them directly. Sometimes though, the creditors wouldn't give Cambridge the policy or the amount of the balance so that was the only thing that I had to give them. Other than that, they took care of it. They managed my debt instead of me having to deal with that. I could live my life normally. I also didn't have to try to answer all the phone calls and that was very nice. So they helped me in releasing my stress a lot.

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    Customer ServiceStaff

    Reviewed Sept. 23, 2018

    The people whom I spoke with at Cambridge Credit Counseling were very nice and helpful and the enrollment process was easy. Once I got through the initial enrollment and signed up, my statement just came out monthly and I paid them a monthly fee. They knew what I had coming in and going out as well as what I owed and they worked with me to get something I could afford to do. They emailed me once in a while about progress. Furthermore, I didn’t have to talk to anybody because the process was automatic. Recently, I got an email congratulating me for finishing their program. Cambridge was great and I know they’re always available if I need to talk to them.

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    Staff

    Reviewed Sept. 22, 2018

    I worked with Cambridge in the past and I initially heard about them through a family member. I enrolled with them for the second time and everything was easy. They were very helpful, everything was very clear, and none of my creditors had any issues. The counselor I had was very good, too. He would email me and do a financial checkup. Our interaction was very minimal, but I knew that if I had any questions, I could have contacted him. He was also very responsive, as far as he getting me started with the program. And for what I was gonna end up paying, the payment plan they gave me was pretty fair because I knew that I was not gonna be able to pay my debt off without some help. I completed the program and now I’m more budget friendly. I also keep track of all my expenses a lot better. I'm more organized and not too tempted to swipe my credit card.

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    PricePunctuality & SpeedStaff

    Reviewed Sept. 22, 2018

    I have so many bills and I wanted to get it over with and done, so I went to Cambridge. I gave them all the bills that I had and they worked out what I owed, what I had to pay with the companies, and then they set me a price. I paid them a certain amount and then I decided to up it. I then got it paid off early. Their people that I've worked with were wonderful, too. They always took care of my problem right off. I was very comfortable working with them. Once I had a concern with one of the places that I had paid off as they sent me another bill. Cambridge then contacted them and sent the results of what I had paid. Working with Cambridge has made my life a lot better -- I now have a little bit of money to buy groceries.

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    Customer ServiceInstallation & SetupPunctuality & SpeedStaff

    Reviewed Sept. 21, 2018

    I moved my mobile home and bought land. I got behind on quite a few of my bills and the only solution I had at the time was to combine everything down into one payment so that I could catch up. I had used Cambridge once before, so I went with them again. They provided consolidation service at $50 a month for the fee. Whenever I had an issue that came up when I was discussing what I needed to do or if there were something that I didn’t think the merchandiser was doing correctly, I would call and ask the Cambridge reps. Some of the merchandisers weren’t getting it cleared off of my credit report like they should have and Cambridge would always step in and fix it for me.

    Cambridge was very helpful and they got my bills paid off, which was all I was concerned with. They handled everything and got it taken care of. If there were any issues, they would step in and help me resolve them. They were able to do away with some of the overage and late fees. They handled getting it set up through each one of my retailers so that I didn’t have to deal with all of that. If they had any questions, Cambridge would email me, let me know that I needed to call them and then I would call and discuss it with them. If I had questions about everyday finances that I needed to discuss with them, I would call and discuss it with one of their counselors. They would advise me and send me letters and emails on things that I needed to pursue. They were really good and very advisable.

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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