Cambridge Credit Counseling Services for Mississippi Residents

Cambridge Credit Counseling’s Mississippi License#

Cambridge Credit Counseling holds a Debt Management Service Provider License to serve Mississippi residents. The license is regulated by the Mississippi Department of Banking and Consumer Finance, and the license number is 938355. Mississippi residents can verify this license directly with the regulator.

Credit Counseling for Mississippi Residents#

Mississippi residents can receive credit counseling from Cambridge Credit Counseling at no charge. Sessions are handled by certified counselors, and Cambridge Credit Counseling is a member of the National Foundation for Credit Counseling. The agency is also ISO 9001 registered.

Debt Management Plans in Mississippi#

A debt management plan combines unsecured debts into one monthly payment managed by Cambridge Credit Counseling. This is not a loan and does not involve borrowing new money. On a debt management plan, almost all concessions such as lower 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.

Debt Settlement Is Different from What Cambridge Credit Counseling Offers Mississippi Residents#

Debt settlement means paying less than the full balance owed to a creditor. This is a different service from credit counseling and is typically offered by for-profit companies. Cambridge Credit Counseling does not provide debt settlement services to Mississippi residents. The services listed on this page are the ones available through Cambridge Credit Counseling.

Housing Counseling for Mississippi Homeowners#

Cambridge Credit Counseling is a HUD-approved housing counseling agency. Mississippi 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 removed once the loan reaches an 80 percent loan-to-value ratio. Mississippi residents who cannot afford a 20 percent down payment can contact Cambridge Credit Counseling’s HUD-approved housing counseling service to review possible homeownership programs.

Student Loan Counseling in Mississippi#

Student loan counseling is available to Mississippi residents through Cambridge Credit Counseling as part of its nonprofit counseling services.

Reverse Mortgage Counseling in Mississippi#

Cambridge Credit Counseling offers reverse mortgage, or HECM, counseling to Mississippi residents considering this option.

Bankruptcy Counseling and Debtor Education in Mississippi#

Cambridge Credit Counseling is approved by the Department of Justice to provide pre-filing bankruptcy counseling and post-filing debtor education for Mississippi 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.

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

How to Reach Cambridge Credit Counseling from Mississippi#

Mississippi residents can call Cambridge Credit Counseling at 800-235-1407 to start a free credit counseling session or ask about other services.

Common questions

Is Cambridge Credit Counseling licensed to serve Mississippi residents?

Yes. Cambridge Credit Counseling holds a Debt Management Service Provider License, number 938355, regulated by the Mississippi Department of Banking and Consumer Finance.

Does Cambridge Credit Counseling offer debt settlement in Mississippi?

No. Cambridge Credit Counseling does not offer debt settlement to Mississippi residents. It offers credit counseling and debt management plans, which are different services.

Is credit counseling free for Mississippi residents?

Yes. Credit counseling sessions from Cambridge Credit Counseling are free of charge for Mississippi residents.

Can Mississippi residents get bankruptcy counseling from Cambridge Credit Counseling?

Yes. Cambridge Credit Counseling is approved by the Department of Justice to offer 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.

Where this information comes from

• 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 cambridge-credit.org Checked 2026-08-04.
• cambridge-credit.org credit counseling page cambridge-credit.org 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 cambridge-credit.org Checked 2026-08-04.
• cambridge-credit.org about page cambridge-credit.org Checked 2026-08-03.
• NFCC Member Agencies register nfcc.org Checked 2026-08-28.
• cambridge-credit.org housing counseling page cambridge-credit.org Checked 2026-08-03.
• cambridge-credit.org bankruptcy page cambridge-credit.org Checked 2026-08-03.
• cambridge-credit.org contact page cambridge-credit.org Checked 2026-08-03.
• Mortgage Basics | Cambridge Credit cambridge-credit.org Checked 2026-08-04.
• industry definition, NFCC nfcc.org Checked 2026-08-28.
• Federal Trade Commission, How To Get Out of Debt consumer.ftc.gov Checked 2026-09-18.
• How To Get Out of Debt, Federal Trade Commission consumer.ftc.gov Checked 2026-08-28.
• CFPB consumer guidance consumerfinance.gov Checked 2026-08-28.