Cambridge Credit Counseling Services for Utah Residents

Cambridge Credit Counseling’s License in Utah#

Cambridge Credit Counseling Corp is registered in Utah as a Debt Management Service, license number 6760639-DBTM, regulated by the Utah Department of Commerce Division of Consumer Protection. Utah residents can verify this license with the state regulator.

Services Available to Utah Residents#

• Debt management plans and credit counseling
• Student loan counseling
• Housing counseling, including first-time homebuyer courses
• Reverse mortgage (HECM) counseling
• Bankruptcy counseling and debtor education certificates

Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit founded in 1996 and headquartered in Agawam, Massachusetts. It is a member of the National Foundation for Credit Counseling and is a HUD-approved housing counseling agency. Counselors are certified, and the agency is ISO 9001 registered.

Free Credit Counseling for Utah Residents#

Credit counseling sessions at Cambridge Credit Counseling are free of charge for Utah residents. A counselor can review your budget and debts and explain your options, including whether a debt management plan may help.

How a Debt Management Plan Works#

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. 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.

Debt Settlement Is a Different Service#

Utah residents should know that debt settlement, which means negotiating to pay less than the full balance owed, is a different service from credit counseling. It is typically offered by for-profit companies, not by Cambridge Credit Counseling. Cambridge Credit Counseling does not offer debt settlement to Utah residents.

Bankruptcy Counseling and Debtor Education in Utah#

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

Housing Counseling for Utah Homeowners and Buyers#

As a HUD-approved housing counseling agency, Cambridge Credit Counseling offers first-time homebuyer courses to Utah residents. A mortgage is a long-term secured loan where the house serves as collateral, and a monthly payment typically includes principal, interest, taxes, and insurance, known as PITI, often along with private mortgage insurance. Homebuyers who put down less than 20 percent must obtain private mortgage insurance. Under the federal Homeowners Protection Act, a homeowner with a conventional loan may ask the loan servicer in writing to cancel private mortgage insurance (PMI) once the loan balance reaches 80 percent of the home’s original value. To qualify, the homeowner must have a good payment history, be current on payments, and certify that there are no junior liens (such as a second mortgage) on the home. The lender may also require proof that the home’s value has not fallen below its original value. PMI must also be automatically terminated, without the homeowner having to request it, on the date the loan balance is scheduled to reach 78 percent of the original value. For PMI to end on that date, payments must be current; otherwise, it ends shortly after they are brought up to date. These rules apply to most conventional loans made on or after July 29, 1999, for a single-family home that is the owner’s main home; FHA loans have different rules. Utah residents who cannot afford a 20 percent down payment are encouraged to contact a HUD-approved housing counseling agency to learn about programs that may help toward homeownership.

Reverse Mortgage Counseling in Utah#

Cambridge Credit Counseling offers reverse mortgage (HECM) counseling to Utah residents who are considering this option and want to understand it before deciding.

Contact Cambridge Credit Counseling#

Utah residents can reach Cambridge Credit Counseling for new counseling inquiries at 800-857-2808.

Common questions

Is Cambridge Credit Counseling licensed to serve Utah residents?

Yes. Cambridge Credit Counseling Corp is registered in Utah as a Debt Management Service, license number 6760639-DBTM, regulated by the Utah Department of Commerce Division of Consumer Protection.

Does Cambridge Credit Counseling charge for credit counseling in Utah?

No. Credit counseling sessions at Cambridge Credit Counseling are free of charge for Utah residents.

Can Utah residents get help with foreclosure or buying a first home?

Yes. Cambridge Credit Counseling is a HUD-approved housing counseling agency and offers first-time homebuyer courses to Utah residents. Cambridge Credit Counseling provides foreclosure help only to residents of Massachusetts, Connecticut, New York, Missouri and Kansas, so Utah homeowners facing foreclosure can find a HUD-approved housing counselor in their area at HUD.gov.

Does Cambridge Credit Counseling offer debt settlement to Utah residents?

No. Debt settlement is a different service, typically offered by for-profit companies. Cambridge Credit Counseling focuses on credit counseling and debt management plans, not debt settlement.

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.
• Gary Washington, Director of Bankruptcy Counseling, Cambridge Credit Counseling, by email 2 September 2026. Checked 2026-09-02.
• NFCC Member Agencies register nfcc.org Checked 2026-08-28.
• How To Get Out of Debt, Federal Trade Commission consumer.ftc.gov Checked 2026-08-28.
• industry definition, NFCC nfcc.org Checked 2026-08-28.
• CFPB consumer guidance consumerfinance.gov Checked 2026-08-28.
• Federal Trade Commission, How To Get Out of Debt consumer.ftc.gov Checked 2026-09-18.
• Less Than 20% Down on a House? Cambridge Credit Counseling Explains (Cambridge Credit Counseling’s own information).
• Cambridge Credit Counseling (Cambridge Credit Counseling’s own information).
• Nonprofit Credit Counseling at Cambridge Credit Counseling (Cambridge Credit Counseling’s own information).
• About Cambridge Credit Counseling | Nonprofit (Cambridge Credit Counseling’s own information).
• HUD-Approved Housing Counseling from Cambridge Credit Counseling (Cambridge Credit Counseling’s own information).
• Contact Cambridge Credit Counseling | Offices, Departments and Hours (Cambridge Credit Counseling’s own information).
• Bankruptcy Counseling and Debtor Education at Cambridge Credit Counseling (Cambridge Credit Counseling’s own information).