Cambridge Credit Counseling in the US Virgin Islands

Free Credit Counseling for US Virgin Islands Residents#

Cambridge Credit Counseling offers free credit counseling sessions to US Virgin Islands residents. A certified counselor reviews your income, expenses, and debts, then discusses options that may help you manage your finances. There is no cost for this session.

Debt Management Plans in the US Virgin Islands#

US Virgin Islands residents who want help with unsecured debt, such as credit cards, may qualify for a debt management plan through Cambridge Credit Counseling. A debt management plan combines eligible debts into one monthly payment handled by Cambridge Credit Counseling. It is not a loan and does not involve borrowing new money. 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.

Student Loan Counseling for US Virgin Islands Residents#

Cambridge Credit Counseling also offers student loan counseling to residents of the US Virgin Islands. This service can help you understand your federal student loan options and repayment choices.

Bankruptcy Counseling and Debtor Education in the US Virgin Islands#

Cambridge Credit Counseling is approved by the Department of Justice to provide pre-filing bankruptcy counseling and post-filing debtor education certificates to US Virgin Islands 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.

Services Not Available to US Virgin Islands Residents#

Cambridge Credit Counseling does not currently offer housing counseling, including foreclosure help or first-time homebuyer courses, to US Virgin Islands residents. Reverse mortgage (HECM) counseling is also not available in the US Virgin Islands.

• Housing counseling, including foreclosure help and first-time homebuyer courses: not available
• Reverse mortgage (HECM) counseling: not available

About Cambridge Credit Counseling#

Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit organization headquartered in Agawam, Massachusetts. It is licensed to conduct business in the Virgin Islands of the United States as a Debt-Management Service Provider, license number DMSP-02, regulated by the US Virgin Islands Office of the Lieutenant Governor, Division of Banking, Insurance and Financial Regulation. The agency is a member of the National Foundation for Credit Counseling and its counselors are certified. Cambridge Credit Counseling is also ISO 9001 registered.

How to Get Started#

US Virgin Islands residents who want free credit counseling, a debt management plan, student loan counseling, or bankruptcy counseling can contact Cambridge Credit Counseling at 800-235-1407 to begin.

Common questions

Is credit counseling free for US Virgin Islands residents?

Yes. Cambridge Credit Counseling offers free credit counseling sessions to residents of the US Virgin Islands, with no cost for the initial session.

Can US Virgin Islands residents get help with credit card debt?

US Virgin Islands residents may qualify for a debt management plan through Cambridge Credit Counseling, which combines eligible unsecured debts into one monthly payment. It is not a loan, and creditor concessions follow preset guidelines set by each creditor, though certain accounts may not be eligible for them.

Does Cambridge Credit Counseling offer housing counseling in the US Virgin Islands?

No. Housing counseling, including foreclosure help and first-time homebuyer courses, is not currently available to US Virgin Islands residents. Reverse mortgage counseling is also not offered there.

How do US Virgin Islands residents start bankruptcy counseling with Cambridge Credit Counseling?

Residents can call Cambridge Credit Counseling at 800-235-1407 to begin pre-filing bankruptcy counseling or 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.
• 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.