Excessive credit card and other unsecured debt can make it difficult for people to pay their bills and can really hinder a person's ability to get ahead in life. High credit card interest rates and fees can make it almost impossible to get the balances paid down, and it can be difficult to find the help you need to pay the bills. In fact, most of the people we speak to every day have found themselves asking, "isn't there anyone that will help me pay my bills more effectively?" At Cambridge, we're committed to helping you pay your bills and get out of debt as quickly as possible, with the least amount of cost to you.
There's no easy way to get out of debt, but we make the process as simple and safe as possible. If you're like most of us, you're likely not paying much more than the minimum payments on your credit cards every month, and you're probably not seeing your balances decreasing by very much. Did you know that by paying just the minimum payments on your credit card bills, it will likely take you decades to pay your balances in full? Clients who choose Cambridge to help them pay their bills are debt free in an average of just over 4 years and we are able to save them an average of $142 per month on their credit card payments.
OK, here's how the process works: First, you'll need to schedule your FREE, one-on-one debt consultation with one of our certified credit counselors. You can do that simply by completing the above form or by calling (888)764-7488. Your counselor will review your income and expenses and, together, you'll discuss a plan of action appropriate to your unique situation. If you choose to enroll in our program and allow Cambridge to help you pay your bills, you'll make ONE CONVENIENT MONTHLY PAYMENT to our agency and we'll disburse individual payments to each of your creditors, taking the hassle out of making your monthly credit card bill payments.
We specialize in helping people pay their credit card and other “unsecured” bills. Working with your creditors, we are typically able to obtain reductions on the interest rates and fees that your creditors are charging you, saving our clients an average of $142 every month! Although we aren’t able to help you pay your secured bills (mortgage, auto loans, etc.) or your monthly utility bills (electricity, heat, phone, etc.), the amount of money we are typically able to save you every month will help to provide more of a cushion to pay these other bills.
Since Cambridge is a nonprofit agency, most creditors will offer certain benefits that could help you pay off your debts faster than you could on your own, typically within a 4-5 year timeframe. These benefits can include reducing your interest rates, bringing your past-due accounts current, and eliminating or reducing your late and/or over-limit fees. In addition to these benefits, you will also get the added benefit of having one of our professional, certified credit counselors available to help you throughout the life of the program. You’ll also have access to your account information online and you’ll be able to speak with our experienced team of client services professionals who work to ensure that all of your accounts are properly serviced throughout the course of your enrollment.