Cambridge Credit Counseling
Disclosures

Cambridge Credit Counseling Corp. is NOT A LOAN COMPANY and has been issued licenses by the following state agencies:


State Agency License Number
   
Alabama Licensed Seller of Checks
Alabama Securities Commission
401 Adams Avenue, Suite 280
Montgomery, Alabama 36104
SC 374
   
Arizona Licensed Debt Management Company
Arizona State Banking Department
2910 North 44th Street, Suite 310
Phoenix, Arizona 85018
DM-0907740
   
Colorado Registered Debt Management Service Provider
Colorado Department of Law
1525 Sherman Street, 7th Floor
Denver, Colorado 80203
000006
   
Connecticut Licensed Debt Adjuster
Connecticut Department of Banking
260 Constitution Plaza
Hartford, Connecticut 06103-1800
9714
Delaware Licensed Debt Management Service
Delaware Department of Justice
Office of the Attorney General
Carvel State Building, 5th Floor
820 N. French Street
Wilmington, Delaware 19801
07-16
Idaho Authorized Debt/Credit Counseling Agency
Idaho Department of Finance
800 Park Blvd, Suite 200
Boise, Idaho 83712
CDC 4832
   
Illinois Licensed and Registered Debt Management Service
Illinois Department of Financial and
Professional Regulation
Division of Financial Institutions Consumer Credit Section
320 W. Washington, Suite 229
Springfield, Illinois 62701
DM 228
   
Indiana Licensed Debt Management Company
Indiana Department of
Financial Institutions
30 South Meridian St., Suite 300
Indianapolis, Indiana 46204
10720
   
Iowa Licensed Debt Management Business
Iowa Division of Banking
200 East Grand Avenue, Suite 300
Des Moines, Iowa 50309
DM-2006-0287
   
Kansas Registered Credit Services Organization
Kansas Office of the
State Bank Commissioner
700 SW Jackson, Suite 300
Topeka, Kansas 66603
CSO-0000031
   
Kentucky Registered Debt Adjuster
Kentucky Office of the Attorney General
Consumer Protection Division
1024 Capital Center Drive, Suite 200
Frankfort, Kentucky 40601
File #02
   
Maine Registered Debt Management Service
Maine Department of Professional &
Financial Regulation
Bureau of Consumer Credit Protection
35 State House Station
Augusta, Maine 04333-0035
DMS5616
   
Maryland Licensed Debt Management Service Provider
Maryland Commissioner of
Financial Regulation
500 North Calvert Street, Room 402
Baltimore, Maryland 21202-3651
14-42
   
Michigan Licensed Debt Management Company
Michigan Department of Insurance
and Financial Services
611 West Ottawa Street, 3rd Floor
Lansing, Michigan 48933
0010556
Mississippi Licensed Debt Management Service
Mississippi Department of Banking
and Consumer Finance
501 N. West Street
901 Woolfolk Building, Suite A
P.O. Box 23729
Jackson, Mississippi 39225-3729
22/2013

Montana Registered Consumer Debt Management Service
Montana Department of Justice
Office of Consumer Protection
P.O. Box 200501
Helena, Montana 59620-0501

2012-101
State Agency License Number
   
   
Nebraska Licensed Debt Management Business
Nebraska Secretary of State
1445 "K" Street, State Capitol Street, Suite 1305
Lincoln, Nebraska 68509
No Number Issued
   
Nevada Registered Debt Management Service
Nevada Department of Business and Industry Financial Institutions Division
1179 Fairview Drive
Carson City, Nevada 89701
DMSM11012
   
New Hampshire Licensed Debt Adjuster
New Hampshire Banking Department
53 Regional Drive, Suite 200
Concord, New Hampshire 03301
13768-DA
   
New Jersey Licensed Debt Adjuster
New Jersey Department of Banking
and Insurance
Licensing Service Banking
PO Box 473
Trenton, New Jersey 08625-0473
L062857
   
New York Licensed Budget Planner
New York State Department
of Financial Services
One State Street
New York, NY 10004
BP 102555
   
Oregon Registered Debt Management Service Provider
Oregon Department of Consumer
and Business Services
Division of Finance and
Corporate Securities
P.O. Box 14480, 350 Winter Street NE, Suite 410
Salem, Oregon 97309-0405
DM-80020
   
Pennsylvania Licensed Debt Management Service
Pennsylvania Department of Banking
Licensing Division
17 North Second Street, 13th Floor
Harrisburg, Pennsylvania 17101
23256
   
Rhode Island Licensed Debt Management Service
Rhode Island Division of Banking
1151 Pontiac Avenue
Cranston, Rhode Island 02920
20132893DM
   
South Carolina Licensed Credit Counseling Organization
South Carolina Department of
Consumer Affairs
Consumer Finance Division
2221 Devine Street, Second Floor
Columbia, South Carolina 20205
CC-0613600-0613600
   
Tennessee Registered Debt Management Service
Tennessee Department of Commerce
and Insurance
Division of Consumer Affairs
500 James Robertson Parkway
Nashville, Tennessee 37243-0600
00000017
   
Texas Registered Debt Management Service Provider
Texas Department of Banking
Division of Banking and Securities
2601 N. Lamar Boulevard
Austin, Texas 78705
DM06-10019
   
US Virgin Islands Registered Debt Management Service Provider
US Virgin Islands
Office of the Lieutenant Governor
Division of Banking and Insurance
#5049 Kongens Gade, Charlotte Amalie
St. Thomas, USVI 00802-6487
DMSP-02-11
Utah Registered Debt Management Service
Department of Commerce
Division of Consumer Protection
160 East 300 South
Box 146704
Salt Lake City, Utah 84114-6704
6760639-DBTM
Vermont Licensed Debt Adjuster
Vermont Department of Banking,
Insurance, Securities and Health Care
Administration
89 Main Street, Drawer 20
Montpelier, Vermont 05620-3101
No. 28

Required Disclosures

  • Fees may apply for debt management plans.
  • We are non profit agency. We’re supported by the monthly fees paid by our clients and we also receive funding/grants from some of the creditors for the counseling and education we provide.
  • VT Licensed Debt Management Service Provider
  • KS Licensed Debt Management Provider, Registration number CSO-0000031.
    The Kansas Office of the State Bank Commissioner will accept questions and complaints from consumers regarding Cambridge Credit Counseling Corp. at 700 SW Jackson, Suite 300, Topeka, Kansas, 66603, or by calling toll-free 1-877-387-8532
  • MD Licensed Debt Management Provider, Registration number 14-42.
    The commissioner of financial regulation for the state of Maryland will accept questions and complaints from Maryland residents regarding Cambridge (License #14-42) at 500 N. Calvert Street, Room 402, Baltimore, MD 21202-3651, Phone 1-888-784-0136.
  • Mississippi Licensed Debt Management Service Provider: MS Debt Management License Number 22/2013.
  • New York Licensed Budget Planner

Due to exemption or the lack of a licensing requirement, Cambridge is also conducting business in the following 18 states.

  • Alaska
  • Arkansas
  • California
  • Florida
  • Georgia
  • Hawaii
  • Louisiana
  • Massachusetts
  • Missouri
  • Arkansas
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • South Dakota
  • Washington
  • West Virginia
  • Wyoming

Cambridge is not conducting business in the following five states/territories. We plan to apply for licenses in the future.

  • Minnesota
  • Virginia
  • Wisconsin
  • Puerto Rico

Disclaimer

We Are Not Lawyers

We are credit counselors who specialize in providing the information people need to more effectively manage their credit and debt. In the course of a consultation, a responsible counselor should advise you of the options suited to your financial circumstances. Among many alternatives, this can include the liquidation of assets you may have, budget adjustments you might consider making, negotiating with your creditors on your own, enrolling in a debt management plan, or consulting with a bankruptcy attorney. You must bear in mind that our advice is not legal advice, and that our counselors are not authorized to provide such counsel.

According to the Code of Ethics our counselors are sworn to uphold, a counselor should only provide counsel within his or her area of expertise. If your circumstances indicate that you should also consult with a professional in some other area, we'll advise you accordingly.

No False Promises

Our counselors are thoroughly trained and independently certified, so why don't we guarantee that your credit standing will improve if you simply follow our advice? The easy answer is that as a responsible agency, we can't give any kind of guarantee, even though we stand behind the soundness of our advice. It sounds contradictory, but there are two reasons for this we're certain you'll appreciate.

  • We can't be with you 24 hours a day to monitor your financial behavior, and;
  • Lenders make their own decisions to grant credit, and the decisions they make are based on a number of variables that extend well beyond the scope of our service.

We know what has worked for millions of Americans in the past, and that our advice is echoed by experts throughout the financial services industry, but we can't provide any kind of guarantee.