Cambridge Life Solutions Announces Client Graduation

Cambridge Life Solutions Client Graduates from the Program in less than 6 months. Saves over $30,554.65 over 72.28% | Cambridge Life Solutions Proven Results

July 26, 2011
Cambridge Life Solutions proudly announces client graduation from the program. Cambridge Life Solutions successfully negotiated $42,254.65 in debt down to $11,700 as payment in full. The client saved over $30,554.65 off of the balances they owed. The client saved over 72.28% and received the fresh start they desperately needed; all achieved within a 6 month program.

Had the client continued to make minimum payments on this debt, it would have taken them over 29.32 Years and they would have paid over $88,788.72 in principal & interest; based on a 19% interest rate.

Cambridge Life Solutions capitalized on the "bulk settlements" method and achieves the greatest savings on behalf of their clients.

Cambridge Life Solutions provides this analogy: if asked to buy only 1 apple compared to someone who said they wanted to buy 300 apples, who do you think would get the better price per apple? Usually the person buying the greatest quantity gets the greatest savings. The same rules tend to apply for Cambridge Life Solutions.

If a person contacts their creditor and asks to settle their $10,000 balance they might on average get 15 - 20% off, saving $2,000 dollars overall. That person would still need to pay $8,000 back to their creditor. Now imagine Cambridge Life Solutions contacts that same creditor mentioning they also represent 100 clients holding that same card, each owing $10,000 and all together collectively owe $1,000,000 outstanding! Typically that creditor is going to offer Cambridge Life Solutions greater savings; in the range of 40 - 70%, maybe even more.

The methodology is simple because it's a win-win for Cambridge Life Solutions clients and their creditors. In the analogy above each client could end up saving over $7,000 each and the creditor is pleased because they received $300,000 in overall outstanding debt owed between 100 clients as payment in full. "Buying in Bulk" or "Settling in Bulk" is a very effective tool Cambridge Life Solutions uses to achieve the greatest savings on behalf of their clients.

One New Captivating Cambridge Life Solutions Review - Saving a Life From Drowning in Debt

One New Captivating Cambridge Life Solutions Review - Saving a Life From Drowning in Debt

Cambridge Life Solutions Complaints | "0" Complaints

Cambridge Life Solutions Complaints

Cambridge Life Solutions Complaints Department is proud to hold "0" complaints with the Better Business Bureau (BBB). Cambridge Life Solutions Complaints Department believes this is a testament to the level of customer service we provide our clients. A consumer should never have to rely on a third party to voice their concerns or frustrations.

Cambridge Life Solutions Complaints

Department wants all our customers to know that if they ever have a question or concern, we will always immediately address the issue and be there for them. If you ever feel you are not being promptly serviced or your needs are not being addressed please contact our Customer Excellence Department by email: customerexcellence@cambridgels.ca.

Cambridge Life Solutions Complaints Department truly believes in this quote: "The goal as a company is to have customer service that is not just the best but legendary."

- Sam Walton, Founder of Wal-Mart

Cambridge Life Solutions | Customer Reviews

Cambridge Life Solutions Canada Reviews & Comments

Relieving the stress and anxiety that comes with debt is what Cambridge Life Solutions Canada does every day for our customers. We strive to give our customers back the quality of life they deserve and more importantly a customer service level second to none. The character of a company is truly defined by its employees & service. These are just a handful of comments and reviews Cambridge Life Solutions have received from clients.
"Customer Service is a just a day in, day out ongoing, never ending, unremitting, persevering, compassionate, type of activity." - Leon Gorman, CEO L.L.Bean

CLICK LINK TO FIND OUT WHAT OUR CUSTOMERS ARE SAYING ABOUT OUR PROGRAM & SERVICE

http://cambridgels.ca/ClientComments.aspx

Cambridge Life Solutions BBB | Better Business Burea Rating

Cambridge Life Solutions Better Business Bureau (BBB) Business Rating & Review

Dated 7/14/2011

Cambridge Life Solutions holds a Better Business Bureau (BBB) rating of "B".
BBB Business Review

Cambridge Life Solutions wishes to become an accredited Better Business Bureau (BBB) member. Currently Cambridge Life Solutions cannot become an accredited Better Business Bureau (BBB) member as determined by the Better Business Bureau (BBB) for the following reasons:
BBB Business Reason for Rating


Cambridge Life Solutions simply needs to wait for the Better Business Bureau's (BBB) seasoning period in order to apply for accreditation membership. Cambridge Life Solutions is only a few months away from being able to apply for membership with the BBB. The length of business requirement does not take into account unfortunately that the management team of Cambridge Life Solutions collectively holds over 25 years of experience in the debt negotiation and finance industry. Cambridge Life Solutions respects the wishes, rules and guidelines outlined by the Better Business Bureau (BBB) regarding membership and Cambridge Life Solutions looks forward to the day where we can proudly display our accreditation and the Better Business Bureau Seal. Cambridge Life Solutions is extremely confident that if the length of time was not a factor, Cambridge Life Solutions would hold an "A" rating with the Better Business Bureau (BBB.)

Cambridge Life Solutions has "0" Complaints with the Better Business Bureau (BBB).

Complaints with the Better Business Bureau

Cambridge Life Solutions is proud to hold "0" complaints with the Better Business Bureau (BBB). Cambridge Life Solutions believes this is a testament to the level of customer service we provide our clients. A consumer should never have to rely on a third party to voice their concerns or frustrations. We want all our customers to know that if they ever have a question or concern, we will always immediately address the issue and be there for them. If you ever feel you are not being promptly serviced or your needs are not being addressed please contact our Customer Excellence Department at (877) 451 - 9528 or by email: customerexcellence@cambridgels.ca.

Cambridge Life Solutions Canada | Truth About Credit Cards

The Truth About Credit Cards

Minimum Payments

The Current Path
Below is the number of years to pay off a credit card balance based on 19% interest and a minimum monthly of 2.1% of the outstanding balance. Usually credit cards require a minimum monthly payment between 2.0% and 2.5% of the outstanding balance.
Source: CNN Money

Debt Amount Pay Back

(Including Principal & Interest) How Long Will It Take

Debt Amount $20,000

Pay Back (Including Principal & Interest) $55,370.41 !!!!!!!!!!!!!!!!!!!!!

How Long Will It Take 53 YEARS 3 MONTHS !!!!!!!!!!!!!!


FIND OUT MORE INFORMATION - CLICK HERE http://cambridgels.ca/Truth.aspx or Call Cambridge Life Solutions Canada for a free no risk consultation at 877 473 8008

Cambridge Life Solutions Claims Check Out | Review - Canada

Cambridge Life Solutions Canada - Proven Results - Actual Settlement Offers

Credit card and collection companies may make claims that they do not work with Cambridge Life Solutions Canada. Even most of our competitors that offer other financial hardship programs such as credit counselling or debt consolidation want to discredit the debt negotiation program and the services Cambridge Life Solutions Canada offers.

Here is the reality, for those Canadians struggling to make minimum payments month after month or for those who are not able to make a minimum payment at all, their debt has a strong possibility of outliving them. Unfortunately, some credit card and collection companies will target those Canadians who owe thousands in debt and have high daily compounding interest rates of 19%, 20%, 25%, or even 32%, and use fear, intimidation, and, sometimes lies to keep their customers on the same path they have always been on, which only leads to stress and a life destined for indebtedness.

At this point, you are probably wondering why credit card companies, collection companies, and competitors would use these tactics. The answer is simple. Paying your minimum payments makes the credit card companies a lot of money, but so do Credit Counselling and Debt Consolidation programs because you still pay a daily compounding interest rate!

Don't take our word for it, let us put our money where our mouth is and support our claims with the following examples.

Example A: Making Minimum Payments

John has a balance of $20,000 that he owes on his credit card. His credit card company charges him a 19% daily compounding interest rate. Making just the minimum payment, he will have to pay $516.67 each month.

At this rate, paying only the minimum payments it will take John 34.42 YEARS to pay back over $51,072.75 in interest and principal!

Example B: Credit Counselling or Debt Consolidation Loans

John decides to work with a credit counseling or debt consolidation company. They contact his creditor and are able to decrease his interest rate from 19% to 7%.

John is very excited about this, except after doing the calculation he realizes that even at a 7% interest rate it is still going to take him over 5 Years to pay back more than 25,018.27 in interest and principal.

Example C: Cambridge Life Solutions Canada Debt Negotiation Program

John enrolls his account with a balance of $20,000 into the Cambridge Life Solutions Canada debt negotiation program. Cambridge Life Solutions is able to negotiate a settlement offer with his creditor based on his budgetary analysis and financial hardship. John approves the settlement offer and accepts because he only has to pay back $13,000 which not only includes the settlement amount paid to the creditor, but also any fees associated with our service. Oh, and he was able to pay off this debt in less than 2 Years!

John saves over $7,000 in just the principal. NONE of the programs above can save you on the principal of what you owe!!!

Compared to Example A, John saves over $38,072.75 in principal and interest and doesn’t have to stress for the next 32 YEARS about how to pay off the debt.

Compared to Example B, John saves over $12,018.27 in principal and interest and eliminates his debt 2 YEARS sooner than other programs.

If you’re still not convinced the Cambridge Life Solutions debt negotiation program may help you eliminate your debt, then click the link below to see Actual Settlements received on behalf of our Cambridge Life Solutions Canada clients.

http://cambridgels.ca/Settlements.aspx

Cambridge Life Solutions Canada Announcement

Cambridge Life Solutions Canada is proud to announce we currently are enrolling clients in: British Columbia, New Brunswick, Saskatchewan, Ontario, Quebec & Prince Edward Island.

We are pleased to announce Cambridge Life Solutions Canada is offering debt negotiation services.

By providing debt negotiation services in the above provinces, Cambridge Life Solutions Canada offers an opportunity for residents to achieve a debt free lifestyle. Cambridge Life Solutions Canada makes it simple for Canadians to speak with a debt consultant and receive a customized debt program they can easily follow.

Cambridge Life Solutions Canada understands this is a difficult time for Canadian residents. Many are consumed with over $25,000 in credit card debt alone and it’s on the rise. “TransUnion said average total debt per Canadian consumer, excluding mortgages, was $25,709 in the fourth quarter of 2010 -- up 5.6 per cent from $24,346 in the comparable period of 2009.” Cambridge Life Solutions Canada reveals its mission is to “educate Canada about credit card debt and make solutions available to help relieve the stress affecting so many Canadian families.” Cambridge Life Solutions Canada has worked hard to create a program that empower clients to eliminate their debt and rebuild a strong financial future.

Cambridge Life Solutions Ontario is proud to donate to the following charities: Daily Bread Food Bank, Hope Air, Ryan's Well, Sleeping Children Around the World, United Way of Kitchener-Waterloo, Multiple Sclerosis Society of Canada, and Bridges of Hope. We hope those that have been blessed by Cambridge Life Solutions would also consider donating either their time or money to these amazing organizations making an incredible difference.

Cambridge Life Solutions British Columbia welcomes you to visit the "Actual Settlement" section of our website to view settlements achieved on behalf of our clients. Cambridge Life Solutions Saskatchewan invites you to visit the "Better Business Bureau (BBB)" section of our website to view our business rating and "0" complaint track record. Cambridge Life Solutions Quebec welcomes you to visit our "Client Reviews" section to find Cambridge Life Solution Reviews made by our customers. Cambridge Life Solutions Prince Edward Island invites you to explore our "education centre" to see the various debt options an individual might have available in order to become debt free.

Residents of these provinces are welcome to contact Cambridge Life Solutions Canada at 877.473.8008 at any time to begin to process of eliminating their debt. Calling Cambridge Life Solutions Canada may be very first step towards achieving financial freedom. The call is free, there is no risk and/or obligation to talk to a debt consultant.

Cambridge Life Solutions Canada is dedicated to assisting clients with eliminating their debt.

Debt and Family Type in Canada

What a great article that outlines the trends between debt and family type in Canada. Click the link below to read the full article. Here are the highlights:

• Debt-to-Asset Ratio increased to its highest point in 35 years in 2009
• Canadians in lone-parent families are more likely to have high debt-to-asset ratios
• Financial insecurity related to debt decreases with higher income
• Canadian-born had lower odds of high debt load than immigrants
• Debt-to-income ratio climbed more than 55 percentage points between 1990 and 2009
• Older Canadians have less debt

Happy Canada Day!!!! Enjoy and Relax this Holiday weekend!

Here are some fun facts about Canada!

• Detroit, Michigan just across the river in the US holds a Canada Day celebration. Conversely, Windsor, Ontario celebrates July 4, the US Independence Day
  
• We are responsible for Smarties, Crispy Crunch, and Coffee Crisp
  
• Baseball is Canadian - First game: June 4, 1838 - Igersoll, ON
  
• Lacrosse, Hockey, and Basketball are all Canadian
  
• Apple pie is Canadian!
  
• Colour television was introduced to Canada on Canada Day in 1967
  
• Tim Hortons is just plain better than Dunkin' Donuts (a US company)
  
• In the war of 1812, started by America, Canadians pushed the Americans back ... past their White House.
  
• Our civil war was fought in a bar - it lasted a little over an hour
  
• A Canadian invented Standard Time
  
• The Hudsons Bay Company (aka 'The Bay') is the world's oldest company
  
• We invented: Ski-doos, jet-ski, Velcro, Zippers, Insulin, Penicillin, Zambonies, and the telephone.
  
• A Canadian invented Superman.