--- title: "Cambridge Credit Counseling Services for Arizona Residents" description: "How Cambridge Credit Counseling, a licensed nonprofit, helps Arizona residents with free credit counseling, debt management, housing and bankruptcy counseling." url: https://www.cambridge-credit.org/debt-help-in-arizona publisher: "Cambridge Credit Counseling Corp" updated: 2026-09-30 --- # Cambridge Credit Counseling Services for Arizona Residents Cambridge Credit Counseling Corp, a 501(c)(3) nonprofit founded in 1996, holds an Arizona Debt Management License, number DM-0907740, regulated by the Arizona Department of Insurance and Financial Institutions. Arizona residents can access free credit counseling, debt management plans, student loan counseling, housing counseling, reverse mortgage counseling, and bankruptcy counseling and debtor education. ## Cambridge Credit Counseling's License to Operate in Arizona Cambridge Credit Counseling Corp is licensed in Arizona under a Debt Management License, number DM-0907740, regulated by the Arizona Department of Insurance and Financial Institutions. Cambridge Credit Counseling is a 501(c)(3) nonprofit founded in 1996, a member of the National Foundation for Credit Counseling, a HUD-approved housing counseling agency, and approved by the Department of Justice to provide bankruptcy counseling. Its counselors are certified and the agency is ISO 9001 registered. Approval by the U.S. Department of Justice Executive Office of United States Trustees does not endorse or assure the quality of our services. ## Services Available to Arizona Residents Arizona residents can use the following services from Cambridge Credit Counseling: - Debt management plans and free credit counseling - Student loan counseling - Housing counseling, including first-time homebuyer courses - Reverse mortgage (HECM) counseling - Bankruptcy counseling and debtor education certificates ## How a Debt Management Plan Works for Arizona Residents A debt management plan consolidates unsecured debts into one monthly payment administered by Cambridge Credit Counseling. It is not a loan and does not involve borrowing new money. On a debt management plan, almost all concessions such as reduced interest rates or waived fees follow preset guidelines set by each creditor, not by Cambridge Credit Counseling. In some cases they can vary based on the level of hardship in the budget, and certain accounts may not be eligible for them. ## Free Credit Counseling for Arizona Residents Credit counseling sessions from Cambridge Credit Counseling are free of charge for Arizona residents. A certified counselor reviews your situation and explains the options available under Arizona's debt management framework. ## Housing Counseling for Arizona Residents Cambridge Credit Counseling is a HUD-approved housing counseling agency and offers this service to Arizona residents, including first-time homebuyer courses. A mortgage is a long-term secured loan where the home serves as collateral, and monthly payments typically include principal, interest, taxes, and insurance, known as PITI, often along with private mortgage insurance. Private mortgage insurance is generally required when a down payment is less than 20 percent of the home price, and it can usually be dropped once the loan reaches an 80 percent loan-to-value ratio. Arizona homebuyers who cannot afford a 20 percent down payment can contact Cambridge Credit Counseling's HUD-approved housing counseling to check whether they qualify for programs that help toward homeownership. ## Bankruptcy Counseling and Debtor Education in Arizona Cambridge Credit Counseling is approved by the Department of Justice to provide pre-filing bankruptcy counseling and post-filing debtor education for Arizona residents. Bankruptcy counseling and debtor education each cost $50.00 per household per session and are available free or at a reduced rate based on ability to pay. The fee is per household, not per person, so a married couple filing together pays once. Households with income below 150 percent of the federal poverty guidelines for their household size are presumed eligible for a fee waiver. Households above that line may still qualify for a reduced fee if they can show a temporary financial hardship, such as a recent job loss or drop in income, unexpected medical costs, disability, separation or divorce, the death of a household wage earner, or another documented financial circumstance that significantly impacts the household's ability to pay. Waivers and reductions are assessed on the household's current income, expenses and overall financial condition, and Cambridge Credit Counseling will not refuse services to anyone due to inability to pay. ## What Cambridge Credit Counseling Does Not Offer in Arizona Cambridge Credit Counseling does not provide debt settlement services to Arizona residents. Debt settlement means negotiating to pay less than the full balance owed, and it is a different service from credit counseling that is typically offered by for-profit companies. Arizona residents seeking debt settlement should know it is not part of what Cambridge Credit Counseling provides. ## How Arizona Residents Can Get Started Arizona residents interested in credit counseling, debt management plans, housing counseling, or bankruptcy counseling from Cambridge Credit Counseling can call 800-235-1407 to begin a free counseling session. ## Questions and answers ### Is Cambridge Credit Counseling licensed to serve Arizona residents? Yes. Cambridge Credit Counseling Corp is licensed in Arizona under a Debt Management License, number DM-0907740, regulated by the Arizona Department of Insurance and Financial Institutions. ### Does Cambridge Credit Counseling charge for credit counseling in Arizona? No. Credit counseling sessions from Cambridge Credit Counseling are free of charge for Arizona residents. ### Can Arizona residents get help with debt settlement from Cambridge Credit Counseling? No. Cambridge Credit Counseling does not offer debt settlement. Debt settlement involves negotiating to pay less than what is owed and is typically offered by for-profit companies, not by Cambridge Credit Counseling. ### What housing help is available to Arizona residents through Cambridge Credit Counseling? Cambridge Credit Counseling is a HUD-approved housing counseling agency and offers Arizona residents first-time homebuyer courses and guidance on mortgage basics like PITI and private mortgage insurance. ## Sources - John Henle, Cambridge Credit Counseling, email of 24 September 2026; 28 CFR 58.21(b)(1) and 58.34(b)(1) (checked 2026-09-24) - Mortgage Downpayments| Cambridge Credit: https://cambridge-credit.org/mortgage-down-payments.html (checked 2026-08-04) - cambridge-credit.org credit counseling page: https://cambridge-credit.org/credit-counseling.html (checked 2026-08-03) - Gary Washington, Director of Bankruptcy Counseling, Cambridge Credit Counseling, by email 2 September 2026. (checked 2026-09-02) - Cambridge Credit Counseling: https://cambridge-credit.org/index.html (checked 2026-08-04) - Mortgage Downpayments| Cambridge Credit: https://cambridge-credit.org/mortgage-down-payments.html (checked 2026-08-04) - cambridge-credit.org about page: https://cambridge-credit.org/about.html (checked 2026-08-03) - NFCC Member Agencies register: https://www.nfcc.org/nfcc-member-agencies/ (checked 2026-08-28) - cambridge-credit.org housing counseling page: https://cambridge-credit.org/housing-counseling.html (checked 2026-08-03) - cambridge-credit.org bankruptcy page: https://cambridge-credit.org/bankruptcy-counseling.html (checked 2026-08-03) - cambridge-credit.org about page: https://cambridge-credit.org/about.html (checked 2026-08-03) - cambridge-credit.org contact page: https://cambridge-credit.org/contact.html (checked 2026-08-03) - Cambridge Credit Counseling: https://cambridge-credit.org/index.html (checked 2026-08-04) - Mortgage Basics | Cambridge Credit: https://cambridge-credit.org/mortgage-basics.html (checked 2026-08-04) - Mortgage Downpayments| Cambridge Credit: https://cambridge-credit.org/mortgage-down-payments.html (checked 2026-08-04) - Mortgage Downpayments| Cambridge Credit: https://cambridge-credit.org/mortgage-down-payments.html (checked 2026-08-04) - industry definition, NFCC: https://www.nfcc.org/resources/debt-management-plans/ (checked 2026-08-28) - Mortgage Basics | Cambridge Credit: https://cambridge-credit.org/mortgage-basics.html (checked 2026-08-04) - Federal Trade Commission, How To Get Out of Debt: https://consumer.ftc.gov/articles/how-get-out-debt (checked 2026-09-18) - How To Get Out of Debt, Federal Trade Commission: https://consumer.ftc.gov/articles/how-get-out-debt (checked 2026-08-28) - CFPB consumer guidance: https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-credit-counseling-and-debt-settlement-debt-consolidation-or-credit-repair-en-1449/ (checked 2026-08-28) - Mortgage Basics | Cambridge Credit: https://cambridge-credit.org/mortgage-basics.html (checked 2026-08-04) --- Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit credit counseling agency. Credit counseling is free. Talk to a counselor: 800-857-2808 | https://www.cambridge-credit.org/get-help Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit organization. Required disclosures and state licenses, the privacy notice and the terms are linked in the footer of every page.