--- title: "Cambridge Credit Counseling Services for Utah Residents" description: "Utah residents can get free credit counseling, debt management plans, and housing counseling from Cambridge Credit Counseling, a nonprofit agency." url: https://www.cambridge-credit.org/debt-help-in-utah publisher: "Cambridge Credit Counseling Corp" updated: 2026-09-29 --- # Cambridge Credit Counseling Services for Utah Residents Cambridge Credit Counseling Corp is a nonprofit agency that helps Utah residents facing financial stress through free credit counseling, debt management plans, student loan counseling, housing counseling, reverse mortgage counseling, and bankruptcy counseling. Cambridge Credit Counseling is registered in Utah as a Debt Management Service. ## 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, which usually can be eliminated once the loan reaches an 80 percent loan-to-value ratio. 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 800-235-1407. ## Questions and answers ### 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. ## 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.