Welcome to Cambridge Credit Counseling

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 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 states where we do not provide credit counseling services are Minnesota, Virginia and Wisconsin. 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 at www.fcaa.org.

If you have any questions regarding compliance, please call (413) 241-2401 or click here to contact our Compliance Manager.

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.

Disclosures & State Licensing

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 "seller of checks", "debt adjuster", "debt management company", "debt management service provider", "credit counseling agency", "credit services organization", and "budget planner".

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.

State Licenses:

Alabama Licensed Seller of Checks
Alabama Securities Commission
401 Adams Avenue
Suite 280
Montgomery, Alabama 36104
License Number: SC374
Arizona Registered Debt Management Company
Arizona State Banking Department
2910 North 44th Street
Suite 310
Phoenix, Arizona 85018
License Number: DM-0907740
Colorado Registered Debt Management Service Provider
Colorado Department of Law
1525 Sherman Street
7th Floor
Denver, Colorado 80203
License Number: 000006
Connecticut Licensed Debt Adjuster
Connecticut Department of Banking
260 Constitution Plaza
Hartford, Connecticut 06103-1800
License Number: DANP-938355
Delaware Licensed Debt Management Service
Delaware Department of Justice
Office of the Attorney General
Carvel State Building, 5th Floor
820 N. French Street
Wilmington, Delaware 19801
License Number: 07-16
Idaho Authorized Debt/Credit Counseling Agency
Idaho Department of Finance
800 Park Blvd
Suite 200
Boise, Idaho 83712
License Number: CDC-4832
Illinois Licensed and Registered Debt Management Service
Illinois Department of Financial and Professional Regulation
Division of Financial Institutions Consumer Credit Section
320 W. Washington, Suite 229
Springfield, Illinois 62701
License Number: DM.0000228
Indiana Licensed Debt Management Company
Indiana Department of Financial Institutions
30 South Meridian St.
Suite 300
Indianapolis, Indiana 46204
License Number: 10720
Iowa Licensed Debt Management Business
Iowa Division of Banking
200 East Grand Avenue
Suite 300
Des Moines, Iowa 50309
License Number: DM-2006-0287
Kansas Registered Credit Services Organization
Kansas Office of the State Bank Commissioner
700 SW Jackson
Suite 300
Topeka, Kansas 66603
License Number: CSO-0000031
Kentucky Registered Debt Adjuster
Kentucky Office of the Attorney General
Consumer Protection Division
1024 Capital Center Drive
Suite 200
Frankfort, Kentucky 40601
License Number: File #02
Maine Registered Debt Management Service
Maine Department of Professional & Financial Regulation
Bureau of Consumer Credit Protection
35 State House Station
Augusta, Maine 04333-0035
License Number: DMS5616
Maryland Licensed Debt Management Service Provider
Maryland Commissioner of Financial Regulation
500 North Calvert Street
Room 402
Baltimore, Maryland 21202-3651
License Number: 14-42
Michigan Licensed Debt Management Company
Michigan Department of Insurance and Financial Services
611 West Ottawa Street
3rd Floor
Lansing, Michigan 48933
License Number: 0010556
Mississippi Licensed Debt Management Service
Mississippi Department of Banking and Consumer Finance
501 N. West Street
901 Woolfolk Building, Suite A
P.O. Box 23729
Jackson, Mississippi 39225-3729
License Number: DM/000022/2016
Montana Registered Consumer Debt Management Service
Montana Department of Justice
Office of Consumer Protection
P.O. Box 200501
Helena, Montana 59620-0501
License Number: 2016-102
Nebraska Licensed Debt Management Business
Nebraska Secretary of State
1445 "K" Street
State Capitol Street, Suite 1305
Lincoln, Nebraska 68509
License Number: No Number Issued
Nevada Registered Debt Management Service
Nevada Department of Business and Industry
Financial Institutions Division
1179 Fairview Drive
Carson City, Nevada 89701
License Number: DMSM11012
New Hampshire Licensed Debt Adjuster
New Hampshire Banking Department
53 Regional Drive
Suite 200
Concord, New Hampshire 03301
License Number: 13768-DA
New Jersey Licensed Debt Adjuster
New Jersey Department of Banking and Insurance
Licensing Service Banking
PO Box 473
Trenton, New Jersey 08625-0473
License Number: L062857
New York Licensed Budget Planner
New York State Department of Financial Services
One State Street
New York, NY 10004
License Number: BP 102555
Oregon Registered Debt Management Service Provider
Oregon Department of Consumer and Business Services
Division of Finance and Corporate Securities
P.O. Box 14480
350 Winter Street NE, Suite 410
Salem, Oregon 97309-0405
License Number: DM-80020
Pennsylvania Licensed Debt Management Service
Pennsylvania Department of Banking
Licensing Division
17 North Second Street, 13th Floor
Harrisburg, Pennsylvania 17101
License Number: 23256
Rhode Island Licensed Debt Management Service
Rhode Island Division of Banking
1151 Pontiac Avenue
Cranston, Rhode Island 02920
License Number: 20132893DM
South Carolina Licensed Credit Counseling Organization
South Carolina Department of Consumer Affairs
Consumer Finance Division
2221 Devine Street, Second Floor
Columbia, South Carolina 20205
License Number: CC-0613600-0613600
Tennessee Licensed Debt Management Service
Tennessee Department of Commerce and Insurance
Division of Consumer Affairs
500 James Robertson Parkway
Nashville, Tennessee 37243-0600
License Number: 17
Texas Registered Debt Management Service Provider
Texas Department of Banking
Division of Banking and Securities
2601 N. Lamar Boulevard
Austin, Texas 78705
License Number: 1400000154-125729
US Virgin Islands Registered Debt Management Service Provider
US Virgin Islands Office of the Lieutenant Governor
Division of Banking and Insurance
#5049 Kongens Gade, Charlotte Amalie
St. Thomas, USVI 00802-6487
License Number: DMSP-02
Utah Registered Debt Management Service
Department of Commerce
Division of Consumer Protection
160 East 300 South, Box 146704
Salt Lake City, Utah 84114-6704
License Number: 6760639-DBTM
Vermont Licensed Debt Adjuster
Vermont Department of Banking, Insurance, Securities and Health Care Administration
89 Main Street, Drawer 20
Montpelier, Vermont 05620-3101
License Number: DA-28

Required Disclosures:

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.

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 22/2013.

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:

  • Alaska
  • Arkansas
  • California
  • Florida
  • Georgia
  • Hawaii
  • Louisiana
  • Massachusetts
  • Missouri
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • South Dakota
  • Washington
  • West Virginia
  • Wyoming

Cambridge is not currently conducting business in the following states/territories:

  • Minnesota
  • Virginia
  • Wisconsin
  • 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.