--- title: "Cambridge Credit Counseling Services for Montana Residents" description: "Cambridge Credit Counseling, a nonprofit credit counselor registered in Montana, offers free counseling, debt management and housing help to residents." url: https://www.cambridge-credit.org/debt-help-in-montana publisher: "Cambridge Credit Counseling Corp" updated: 2026-09-29 --- # Cambridge Credit Counseling Services for Montana Residents Cambridge Credit Counseling Corp, a nonprofit agency founded in 1996, is registered in Montana as a Consumer Debt Management Service, license number 184958, regulated by the Montana Department of Justice Office of Consumer Protection. Montana residents can access free credit counseling, debt management plans, student loan counseling, housing counseling, reverse mortgage counseling, and bankruptcy counseling and debtor education through Cambridge Credit Counseling. ## Cambridge Credit Counseling's Montana License and Regulator In Montana, Cambridge Credit Counseling Corp is registered as a Consumer Debt Management Service under license number 184958. This license is regulated by the Montana Department of Justice Office of Consumer Protection. Montana residents can verify this license directly with the regulator before enrolling in any service. ## Free Credit Counseling and Debt Management Plans in Montana Credit counseling sessions with Cambridge Credit Counseling are free of charge for Montana residents. A counselor can review your budget and explain whether a debt management plan makes sense for your situation. 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. 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. ## Housing Counseling for Montana Homeowners Cambridge Credit Counseling is a HUD-approved housing counseling agency, and this service is available to Montana residents. Housing counseling can include 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 must carry private mortgage insurance, which can usually be dropped once the loan reaches an 80 percent loan-to-value ratio. Montana residents who cannot afford a 20 percent down payment can contact Cambridge Credit Counseling to see if they qualify for programs that help toward homeownership. ## Student Loan Counseling in Montana Montana residents can receive student loan counseling from Cambridge Credit Counseling. A certified counselor can walk through repayment options and help you understand how your student loans fit into your overall budget. ## Reverse Mortgage Counseling in Montana Reverse mortgage, or HECM, counseling is available to Montana residents through Cambridge Credit Counseling. This counseling helps homeowners age 62 and older understand how a reverse mortgage works before making a decision. ## Bankruptcy Counseling and Debtor Education in Montana Cambridge Credit Counseling is approved by the Department of Justice to provide pre-filing bankruptcy counseling and post-filing debtor education certificates to Montana 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. ## Debt Settlement Is Not Offered to Montana Residents Cambridge Credit Counseling does not offer debt settlement to Montana residents. Debt settlement means negotiating to pay less than the full balance owed, and it is a different service from credit counseling, typically offered by for-profit companies. Montana residents interested in debt management plans instead of settlement can call Cambridge Credit Counseling to discuss their options. ## How Montana Residents Can Get Started - Call Cambridge Credit Counseling at 800-235-1407 for a free counseling session - Ask about debt management plans, housing counseling, student loan counseling, reverse mortgage counseling, or bankruptcy counseling - Verify Cambridge Credit Counseling's Montana license number 184958 with the Montana Department of Justice Office of Consumer Protection ## Questions and answers ### Is Cambridge Credit Counseling licensed to help Montana residents? Yes. Cambridge Credit Counseling Corp is registered in Montana as a Consumer Debt Management Service, license number 184958, regulated by the Montana Department of Justice Office of Consumer Protection. ### Does Cambridge Credit Counseling charge for credit counseling in Montana? No. Credit counseling sessions with Cambridge Credit Counseling are free of charge for Montana residents. ### Can Montana residents get help with debt settlement through Cambridge Credit Counseling? No. Cambridge Credit Counseling does not offer debt settlement to Montana residents. Debt settlement is a different service, typically offered by for-profit companies, and involves negotiating to pay less than the full balance owed. ### What housing help is available to Montana residents through Cambridge Credit Counseling? Cambridge Credit Counseling is a HUD-approved housing counseling agency and offers housing counseling to Montana residents, including first-time homebuyer courses. ## 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) - HUD Home Equity Conversion Mortgage programme rules (checked 2026-08-25) - Mortgage Downpayments| Cambridge Credit: https://cambridge-credit.org/mortgage-down-payments.html (checked 2026-08-04) - Cambridge Credit Counseling: https://cambridge-credit.org/index.html (checked 2026-08-04) - Gary Washington, Director of Bankruptcy Counseling, Cambridge Credit Counseling, by email 2 September 2026. (checked 2026-09-02) - cambridge-credit.org credit counseling page: https://cambridge-credit.org/credit-counseling.html (checked 2026-08-03) - 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 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) - Mortgage Basics | Cambridge Credit: https://cambridge-credit.org/mortgage-basics.html (checked 2026-08-04) - 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.