--- title: "Cambridge Credit Counseling Services for Wisconsin Residents" description: "Cambridge Credit Counseling Corp, a nonprofit, is licensed in Wisconsin (Licensed Adjustment Service Company, license 272) to offer credit counseling and more." url: https://www.cambridge-credit.org/debt-help-in-wisconsin publisher: "Cambridge Credit Counseling Corp" updated: 2026-09-29 --- # Cambridge Credit Counseling Services for Wisconsin Residents Cambridge Credit Counseling Corp is a nonprofit credit counseling agency licensed to serve Wisconsin residents. In Wisconsin, Cambridge Credit Counseling can offer debt management plans, credit counseling, student loan counseling, housing counseling, reverse mortgage counseling, and bankruptcy counseling. Credit counseling sessions are free and no outcome is guaranteed. ## Cambridge Credit Counseling's Wisconsin License Cambridge Credit Counseling Corp holds a Licensed Adjustment Service Company license, number 272, regulated by the Wisconsin Department of Financial Institutions. This license allows Cambridge Credit Counseling to provide debt management and related counseling services to people living in Wisconsin. ## Credit Counseling and Debt Management Plans in Wisconsin Wisconsin residents can receive free credit counseling sessions from certified counselors. A debt management plan consolidates unsecured debts into one monthly payment administered by the agency. 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 Wisconsin Homeowners Cambridge Credit Counseling is a HUD-approved housing counseling agency and offers this service to Wisconsin residents, including 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 in Wisconsin who put down less than 20 percent are usually required to carry private mortgage insurance, which can often be removed once the loan reaches an 80 percent loan-to-value ratio. Wisconsin residents who cannot afford a 20 percent down payment can contact a HUD-approved agency like Cambridge Credit Counseling to review available programs. ## Bankruptcy Counseling and Debtor Education in Wisconsin Cambridge Credit Counseling is approved by the Department of Justice to provide pre-filing bankruptcy counseling and post-filing debtor education to Wisconsin 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. ## Student Loan and Reverse Mortgage Counseling in Wisconsin Wisconsin residents can also access student loan counseling and reverse mortgage, or HECM, counseling through Cambridge Credit Counseling. These services are offered alongside the agency's other counseling programs and are provided by certified counselors. ## What Cambridge Credit Counseling Does Not Offer in Wisconsin Cambridge Credit Counseling does not provide debt settlement services in Wisconsin. Debt settlement means negotiating to pay less than the full balance owed, which is a different service from credit counseling and is typically offered by for-profit companies. Wisconsin residents should understand this difference before choosing a service. ## How Wisconsin Residents Can Get Started Cambridge Credit Counseling is a 501(c)(3) nonprofit founded in 1996, headquartered in Agawam, Massachusetts, and is a member of the National Foundation for Credit Counseling. The agency is ISO 9001 registered. Wisconsin residents can call 800-235-1407 to begin a free counseling session. ## Questions and answers ### Is Cambridge Credit Counseling licensed to help Wisconsin residents? Yes. Cambridge Credit Counseling Corp holds a Licensed Adjustment Service Company license, number 272, regulated by the Wisconsin Department of Financial Institutions, allowing it to serve Wisconsin residents. ### Does Cambridge Credit Counseling offer debt settlement in Wisconsin? No. Cambridge Credit Counseling does not offer debt settlement to Wisconsin residents. Debt settlement negotiates to pay less than the full balance owed and is a different service typically offered by for-profit companies. ### Can Wisconsin residents get free credit counseling? Yes. Credit counseling sessions at Cambridge Credit Counseling are free of charge for Wisconsin residents, and counselors are certified. ### Does Cambridge Credit Counseling help with bankruptcy counseling in Wisconsin? Yes. Cambridge Credit Counseling is approved by the Department of Justice to provide pre-filing bankruptcy counseling and post-filing debtor education courses to Wisconsin 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. ## 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) - Mortgage Downpayments| Cambridge Credit: https://cambridge-credit.org/mortgage-down-payments.html (checked 2026-08-04) - cambridge-credit.org contact page: https://cambridge-credit.org/contact.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) - Mortgage Basics | Cambridge Credit: https://cambridge-credit.org/mortgage-basics.html (checked 2026-08-04) - Mortgage Basics | Cambridge Credit: https://cambridge-credit.org/mortgage-basics.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) - 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) - industry definition, NFCC: https://www.nfcc.org/resources/debt-management-plans/ (checked 2026-08-28) --- 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.