--- title: "Cambridge Credit Counseling Services for Georgia Residents" description: "Cambridge Credit Counseling offers free credit counseling, debt management plans and housing counseling to Georgia residents. Nonprofit and HUD-approved." url: https://www.cambridge-credit.org/debt-help-in-georgia publisher: "Cambridge Credit Counseling Corp" updated: 2026-09-29 --- # Cambridge Credit Counseling Services for Georgia Residents Cambridge Credit Counseling Corp is a nonprofit agency that offers free credit counseling and debt management plans to residents of Georgia. Georgia residents can also use student loan counseling, housing counseling including first-time homebuyer courses, reverse mortgage counseling, and bankruptcy counseling with debtor education certificates. ## Credit Counseling for Georgia Residents Credit counseling sessions at Cambridge Credit Counseling are free of charge for Georgia residents. Counselors review your income, expenses, and debts, then discuss options that fit your situation. Cambridge Credit Counseling is a member of the National Foundation for Credit Counseling and its counselors are certified. ## Debt Management Plans in Georgia A debt management plan consolidates unsecured debts into one monthly payment administered by the counseling agency. It is not a loan and does not involve borrowing new money. 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. This service is available to Georgia residents. ## Housing Counseling for Georgia Homeowners and Buyers Cambridge Credit Counseling is a HUD-approved housing counseling agency, and Georgia residents can use this service for 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. Homebuyers who put down less than 20 percent usually need private mortgage insurance, which can often be dropped once the loan reaches 80 percent of the home's value. Georgia residents who cannot afford a 20 percent down payment can contact Cambridge Credit Counseling's housing counseling service to see if they qualify for special homeownership programs. ## Student Loan Counseling in Georgia Georgia residents can access student loan counseling through Cambridge Credit Counseling as part of its nonprofit services. ## Reverse Mortgage Counseling for Georgia Residents Cambridge Credit Counseling provides reverse mortgage, or HECM, counseling to Georgia residents who want to understand this option before moving forward. ## Bankruptcy Counseling and Debtor Education in Georgia Cambridge Credit Counseling is approved by the Department of Justice to provide pre-filing bankruptcy counseling and post-filing debtor education. 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. Approval by the U.S. Department of Justice Executive Office of United States Trustees does not endorse or assure the quality of our services. ## Debt Settlement Is Not Offered by Cambridge Credit Counseling Debt settlement means negotiating to pay less than the full balance owed. This is a different service from credit counseling and is typically offered by for-profit companies. Cambridge Credit Counseling does not offer debt settlement to Georgia residents. ## About Cambridge Credit Counseling Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit organization founded in 1996 and headquartered in Agawam, Massachusetts. The agency is ISO 9001 registered and its counselors are certified, serving residents across the country, including Georgia. ## How Georgia Residents Can Reach Cambridge Credit Counseling Georgia residents can call Cambridge Credit Counseling at 800-235-1407 to start a free credit counseling session or ask about any of its other services. ## Questions and answers ### Is credit counseling free for Georgia residents? Yes. Credit counseling sessions at Cambridge Credit Counseling are free of charge for Georgia residents. ### Does Cambridge Credit Counseling offer debt settlement to Georgia residents? No. Debt settlement is a different service, usually offered by for-profit companies, and it is not part of Cambridge Credit Counseling's nonprofit services. ### Can Georgia homeowners get foreclosure help through Cambridge Credit Counseling? No. Cambridge Credit Counseling provides foreclosure help only to residents of Massachusetts, Connecticut, New York, Missouri and Kansas, so Georgia homeowners facing foreclosure can find a HUD-approved housing counselor in their area at HUD.gov. Cambridge Credit Counseling is a HUD-approved housing counseling agency and offers first-time homebuyer courses to Georgia residents. ### How much does bankruptcy counseling cost for Georgia 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. ## 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.