Thank you for visiting the Cambridge Credit Counseling Corp. website. If you reached us by clicking on an advertisement, you’ll find everything you need to know about us here on our website. Please understand that Cambridge is NOT A LOAN COMPANY. WE DO NOT LEND MONEY. We offer FREE financial education and advice to consumers and, when appropriate, identify options and programs available to help them get out of debt.
Our agency is located at 67 Hunt Street, Agawam, Massachusetts 01001. We provide all of our credit counseling services from this office.
We’re currently licensed in each of the states shown below. (Cambridge is exempt from licensure in many other states.) The only state where we do not provide credit counseling services is Minnesota. If you’re from one of those states, we’d be happy to recommend a licensed agency to you, or you could find one in the directory of the Financial Counseling Association of America (FCAA) or the National Foundation for Credit Counseling (NFCC).
If you have any questions regarding compliance, please call (413) 241-2401 or click here to email our Compliance Officer.
Finally, if you’d like to read more about the various kinds of financial counseling services we provide, including credit, housing, student loans, and bankruptcy, simply return to our home page, where you’ll find descriptions of what we do to help consumers every day.
As a national credit counseling agency, Cambridge is required to maintain the appropriate licenses in every state where we conduct business. Although not all states have licensing requirements, below you'll find a list of those that do, along with a link to each of our licenses, when available. We invite you to visit these state agencies to verify our licensing status. We further invite you meet all of our licensed credit counselors and housing counselors employed at Cambridge.
Keep in mind, the name of the particular license varies from state to state and include such titles as "money transmitter", "debt adjuster", "debt management company", "debt management service provider", "credit counseling agency", "credit services organization", "budget planner" and "adjustment service company".
Cambridge ensures that only licensed credit counselors perform credit counseling services, and certain states require additional certifications in order for our licensed credit counselors to perform services on the accounts of consumers from their state.
445 Dexter Avenue
Montgomery, AL 36104
License Number: MT#374View Alabama License
100 North 15th Avenue
Phoenix, AZ 85007
License Number: DM-0907740View Arizona License
Consumer Protection Section, DM
Ralph L. Carr Colorado Judicial Center
1300 Broadway, 6th Floor
Denver, CO 80203
License Number: 000006View Colorado License
260 Constitution Plaza
Hartford, CT 06103-1800
License Number: DANP-938355View Connecticut License
Department of Justice
Consumer Protection Unit
820 N. French Street, 5th Floor
Wilmington, DE 19801
License Number: 07-16View Delaware License
800 Park Blvd
Boise, ID 83712
License Number: CDC-4832View Idaho License
Div. of Financial Inst. Consumer Credit Section
320 W. Washington (Suite 550)
Springfield, IL 62701
License Number: DM.0000228View Illinois License
30 South Meridian St.
Indianapolis, IN 46204
License Number: 10720View Indiana License
200 East Grand Avenue
Des Moines, IA 50309
License Number: DM-2006-0287View Iowa License
700 SW Jackson
Topeka, KS 66603
License Number: CSO.0000031View Kansas License
Office of Consumer Protection
1024 Capital Center Drive
Frankfort, KY 40601
License Number: File #02View Kentucky License
Bureau of Consumer Credit Protection
35 State House Station
Augusta, Maine 04333-0035
License Number: DMS5616View Maine License
500 North Calvert Street
Baltimore, Maryland 21202-3651
License Number: 14-42View Maryland License
530 West Allegan Street
Lansing, MI 48933
License Number: 0010556View Michigan License
P.O. Box 12129
Jackson, MS 39236-2129
License Number: 22View Mississippi License
Office of Consumer Protection
P.O. Box 200151
Helena, MO 59620-0151
License Number: 11-4364View Montana License
1201 N Street (Ste 120)
Lincoln, NE 68508
License Number: No Number IssuedView Nebraska License
Department of Business and Industry
1830 E. College Parkway, Suite 100
Carson City, NV 89706
License Number: DMSM11012View Nevada License
53 Regional Drive
Concord, NH 03301
License Number: 13768-DAView New Hampshire License
Licensing Services Bureau
PO Box 473
Trenton, NJ 08625-0473
License Number: L062857View New Jersey License
One State Street
New York, NY 10004
License Number: BP 102555View New York License
Division of Financial Regulations
350 Winter Street NE, Room 410
Salem, OR 97301-3881
License Number: DM-80020View Oregon License
17 North Second Street, 13th Floor
Harrisburg, PA 17101
License Number: 23256View Pennsylvania License
Division of Banking
1151 Pontiac Avenue, Bldg. 68-1
Cranston, RI 02920
License Number: 20132893DMView Rhode Island License
293 Greystone Boulevard, Suite 400
Columbia, SC 29210
License Number: CC-0613600-0613600View South Carolina License
500 James Robertson Parkway
9th Floor - Davy Crockett Tower Nashville, TN 37243-0565
License Number: 17View Tennessee License
Finance Commission Building
2601 N. Lamar Boulevard
Austin, TX 78705
License Number: 1400000154-125729View Texas License
Banking, Ins. & Financial Reg.
#5049 Kongens Gade
St. Thomas, USVI 00802
License Number: DMSP-02View US Virgin Islands License
Division of Consumer Protection
160 East 300 South, Box 146704
Salt Lake City, UT 84114-6704
License Number: 6760639-DBTMView Utah License
Department of Financial Regulations 89 Main Street
Montpelier, VT 05620-3101
License Number: DA-28View Vermont License
State Corporation Commission
1300 East Main Street, Suite 800
P.O. Box 640
Richmond, VA 23218-0640
License Number: DC-91View Virginia License
4822 Madison Yards Way
Madison, WI 53705
License Number: 272View Wisconsin License
Fees may apply for debt management plans.
We are non profit agency. We’re supported by the monthly fees paid by our clients and we also receive funding/grants from some of the creditors for the counseling and education we provide.
Please note that establishment of a plan may adversely affect an individual's credit rating or credit scores, and that nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation.
VT Licensed Debt Management Service Provider
KS Licensed Debt Management Provider, Registration number CSO.0000031.The Kansas Office of the State Bank Commissioner will accept questions and complaints from consumers regarding Cambridge Credit Counseling Corp. at 700 SW Jackson, Suite 300, Topeka, Kansas, 66603, or by calling toll-free 1-877-387-8532
MD Licensed Debt Management Provider, Registration number 14-42. The commissioner of financial regulation for the state of Maryland will accept questions and complaints from Maryland residents regarding Cambridge (License #14-42) at 500 N. Calvert Street, Room 402, Baltimore, MD 21202-3651, Phone 1-888-784-0136.
Mississippi Licensed Debt Management Service Provider: MS Debt Management License Number 22.
New York Licensed Budget Planner
Due to exemption or the lack of a licensing requirement, Cambridge is also conducting business in the following 18 states:
- New Mexico
- North Carolina
- North Dakota
- South Dakota
- West Virginia
Cambridge is not currently conducting business in the following states/territories:
- Puerto Rico
WE ARE NOT LAWYERS
We are credit counselors who specialize in providing the information people need to more effectively manage their credit and debt. In the course of a consultation, a responsible counselor should advise you of the options suited to your financial circumstances. Among many alternatives, this can include the liquidation of assets you may have, budget adjustments you might consider making, negotiating with your creditors on your own, enrolling in a debt management plan, or consulting with a bankruptcy attorney. You must bear in mind that our advice is not legal advice, and that our counselors are not authorized to provide such counsel.
According to the Code of Ethics our counselors are sworn to uphold, a counselor should only provide counsel within his or her area of expertise. If your circumstances indicate that you should also consult with a professional in some other area, we'll advise you accordingly.
NO FALSE PROMISES
Our counselors are thoroughly trained and independently certified, so why don't we guarantee that your credit standing will improve if you simply follow our advice? The easy answer is that as a responsible agency, we can't give any kind of guarantee, even though we stand behind the soundness of our advice. It sounds contradictory, but there are two reasons for this we're certain you'll appreciate.
- We can't be with you 24 hours a day to monitor your financial behavior, and;
- Lenders make their own decisions to grant credit, and the decisions they make are based on a number of variables that extend well beyond the scope of our service.
We know what has worked for millions of Americans in the past, and that our advice is echoed by experts throughout the financial services industry, but we can't provide any kind of guarantee.