Cambridge Credit CounselingReviews of cambridge-credit.org

Response from Cambridge Credit CounselingAug 23, 2019

Dear Ms. Perry, Your account was transferred to our agency in July 2017, when your original agency, Cornerstone, decided to retire from this business. At that time, we reviewed all of your accounts and confirmed that you were current on all of them. The only issue we could discover involved a due-date change required by one of your creditors, Huntington Bank. We left you a message and sent an email to you so we could notify you of your creditor’s requirement, but never received a call back. When we learned in November that you had never requested the change in due date change, we contacted you to remind you of the importance of following through on your creditor’s request and you hung up on our representative because you were at work and said you were too busy to discuss it. (Our calls are recorded.) As with all clients, though a debt management plan can be extremely effective in reducing monthly payments (Your interest rates were reduced to between 6% and 7.99%.), there is a shared responsibility in the outcome of the plan. In your case, your payment history was nothing short of excellent – 30 on-time payments until your accounts were paid in full. Your only shortcoming had to do with the aforementioned due-date change. We stress with all clients that their creditors will continue to communicate directly with them, through monthly statements, etc. We also emphasize that Cambridge does not receive those communications. When we learned, after the fact, that you hadn’t responded to the due date change request, we did our best to get you to follow through and make that easy change, but you became frustrated and hung up on us causing the due date to never get changed and you would have continued to receive notices from them until you paid them off in December 2018. In closing, we congratulate you on becoming debt-free through our program and wish you continued success in your future.