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TRUEfinancial

Free debt evaluation

Is Money Making You Sick

71% of Americans say money is a major source of stress in their lives.

Recent studies have linked money worries to anxiety and depression, pain and inflammation, heart disease, high blood pressure, headaches, insomnia, ulcers, back pain, arthritis, and asthma, among other ailments, as well as a higher risk of disability, and early death.

it's more than just a debt management program

Offering a comprehensive range of nonprofit services to assist you with various financial challenges.

credit Counseling

Credit Counseling is a FREE SERVICE that we offer to consumers who are having difficulty paying their credit card, and other unsecured bills. The purpose of a credit counseling session is to identify the reasons someone is having trouble paying their bills. Our nationally and independently-certified credit counselors will analyze all income and expenses and come up with a personalized action plan based on that person’s unique situation. If this FREE DEBT ANALYSIS indicates that the consumer will benefit from enrollment on our Debt Management Plan, only then will the credit counselor offer one. There is never any obligation to enroll in a Debt Management Plan after a Credit Counseling session.

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Debt management

After one of our certified credit counselors performs a thorough review of a consumer’s finances, and only if the consumer will benefit from it and can afford the payments, a debt management plan may be offered as a possible solution. Consumers who enroll in a debt management plan will make one simple monthly payment to Cambridge and we will send out payments to each of the creditors included on the plan. Creditors often offer certain benefits to help these consumers get out of debt quickly and with as little cost as possible. Our average debt management plan client saves 25% on their monthly credit card payments and are debt free in around 50 months.

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REVERSE MORTGAGE COUNSELING

Since the wake of the recession, many seniors found themselves in a situation where they no longer had the retirement funds available to live comfortably through their golden years. Seniors age 62 and older may be eligible to use the equity in they’ve built up in their homes as a source of income through a reverse mortgage. In order for a reverse mortgage to be finalized, borrowers must complete a counseling session with an approved agency like Cambridge. We have one of the largest reverse mortgage counseling divisions at any one location in the country. We offer an impartial explanation of the pros and cons of a reverse mortgage so that the consumer can make an informed decision. 

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Setting the gold standard in value-based care with comprehensive financial support benefits.

HOUSING COUNSELING

Cambridge is approved by the U.S. Department of Housing and Urban Development (HUD) to provide a variety of housing-related counseling services throughout the country. These services include Foreclosure Intervention & Default Counseling, rental counseling, and First-Time Homebuyer Courses.

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Financial Education

At the root of most financial problems is a lack of proper financial education. Financial literacy remains a subject that is rarely taught in our school systems, therefore people usually have to rely on their parents or the “school of hard knocks” to figure it all out. Regardless of which program consumers choose to enroll in, and even if they aren’t a client at all, everyone has access to our free financial literacy materials. We’ve got hundreds of articles, videos, guidebooks, and worksheets to not only assist you in taking control of your financial life, but also to provide the education you need to take with you for the rest of your life.

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STUDENT LOAN COUNSELING

Student loan debt now ranks number two in terms of highest consumer debt, second only to mortgage debt. Many students leave school with the hopes of earning enough money to pay their student loans without issue, but many find that the repayment of these loans inhibits their ability to live financially stable lives. Thankfully, there are a variety of options to help borrowers repay their loans, but identifying the most appropriate course of action can be difficult and overwhelming. Our student loan counselors will review your financial profile and help you identify the best solution to your particular situation, and they’ll stick with you as a personal advocate for your best interests.

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BANKRUPTCY COUNSELING

In the United States, anyone who files a bankruptcy petition must participate in educational courses before and after filing. Cambridge is approved by the U. S. Justice Department’s Executive Office of United States Trustees (EOUST)* to administer a pre-filing credit counseling course and a post-filing debtor education course. Our bankruptcy courses are both available online.


*Approval by the U.S. Department of Justice Executive Office of United States Trustees does not endorse or assure the quality of our services.

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Optimal results

Reduced interest rate

Reduced interest rate

Reduced interest rate

Average credit card interest rates are reduced from 22% to as low as 0%.

Payment Savings

Reduced interest rate

Reduced interest rate

Typical results are on average of $135 on monthly payments.

Safe repayment

Reduced interest rate

Safe repayment

Cambridge clients typically pay their balances in full in about 45 months. No new loans and it's not a settlement.

Save an average of 25% on your monthly debt payments.

AYG and partners are fully committed to getting you out of debt as quickly as possible while saving you the most money every month. The one-on-one consultation and budget review with one of our certified credit counselors is absolutely free.

Learn About Debt Evaluation

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