Disclosures & State Licenses

We offer FREE financial education and advice to consumers and may identify options and programs available to help them get out of debt.

Call (800) 235-1407 CONNECT WITH A COUNSELOR

Require Disclosures & State Licenses

  • All of our credit counseling services are provided from our office located at 67 Hunt Street, Agawam, Massachusetts 01001.
  • Fees may apply for debt management plans.
  • We are a non-profit agency. We’re supported by the monthly fees paid by our clients, and we also receive funding/grants funding and/or 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.

As a national credit counseling agency, Cambridge is required to maintain the appropriate licenses in every state where we conduct business. The name of the license varies by state and may 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". Not all states have licensing requirements.

Cambridge ensures that only licensed credit counselors perform credit counseling services. Some states may require additional certifications to service accounts of a consumer. Click here to meet our counselors.

We’re currently licensed in each of the states shown below (Cambridge is exempt from licensure in many other states). If you have any questions regarding compliance, please call (413) 241-2401 or click here to email our Compliance Officer. We invite you to visit the state agencies listed below to verify our licensing status.

Alabama Money Transmitter License

Alabama Securities Commission
445 Dexter Avenue
Suite 12000
Montgomery, AL 36104

License Number: MT#374

View Alabama License

Arizona Registered Debt Management Company

Arizona Department of Financial Institutions
100 North 15th Avenue
Suite 261
Phoenix, AZ 85007

License Number: DM-0907740

View Arizona License

Colorado Registered Debt Management Service Provider

Colorado Department of Law
Consumer Protection Section, DM
Ralph L. Carr Colorado Judicial Center
1300 Broadway, 10th Floor
Denver, CO 80203

License Number: DMG-2000005

View Colorado License

Connecticut Licensed Debt Adjuster

Connecticut Department of Banking
260 Constitution Plaza
Hartford, CT 06103-1800

License Number: DANP-938355

View Connecticut License

Delaware Licensed Debt Management Service

Delaware Department of Consumer Protection
Department of Justice
Consumer Protection Unit
820 N. French Street, 5th Floor
Wilmington, DE 19801

License Number: 07-16

View Delaware License

Idaho Authorized Debt/Credit Counseling Agency

Idaho Department of Finance
11341 West Chinden Blvd.
Building 4 Floor 3
Boise, ID 83714

License Number: CDC-4832

View Idaho License

Illinois Licensed and Registered Debt Management Service

Illinois Dept. of Financial and Prof. Regulation
Div. of Financial Inst. Consumer Credit Section
320 W. Washington (Suite 550)
Springfield, IL 62786

License Number: DM.0000228

View Illinois License

Indiana Licensed Debt Management Company

Indiana Department of Financial Institutions
30 South Meridian St.
Suite 200
Indianapolis, IN 46204

License Number: 10720

View Indiana License

Iowa Licensed Debt Management Business

Iowa Division of Banking
200 East Grand Avenue
Suite 300
Des Moines, IA 50309

License Number: DM-2006-0287

View Iowa License

Kansas Registered Credit Services Organization

Kansas Office of the State Bank Commissioner
700 SW Jackson
Suite 300
Topeka, KS 66603

License Number: CSO.0000031

View Kansas License

The Kansas Office of the State Bank Commissioner will accept questions and complaints from consumers regarding Cambridge Credit Counseling Corp. at the address above or by calling toll-free (877) 387-8532.

Kentucky Registered Debt Adjuster

Kentucky Office of the Attorney General
Office of Consumer Protection
1024 Capital Center Drive
Suite 200
Frankfort, KY 40601

License Number: File #02

View Kentucky License

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

View Maine License

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

View Maryland License

The State of Maryland requires us to advise you of the availability of the NMLS Consumer Access Website to verify our license status:

Verify License Status (NMLS)

NMLS Number: 938355

The commissioner of financial regulation for the state of Maryland will accept questions and complaints from Maryland residents regarding Cambridge Credit Counseling Corp at the address above or by calling toll-free (888) 784-0136.

Michigan Licensed Debt Management Company

MI Dept. of Insurance and Financial Services
530 West Allegan Street
7th Floor
Lansing, MI 48933
(877) 999-6442

Required Michigan Disclosures

License Number: 0010556

View Michigan License

Minnesota Debt Management Services Provider

Minnesota Department of Commerce
Main Office, Golden Rule Building
85 7th Place East - Suite 280
Saint Paul, MN 55101

License Number: MN-DM-938355

View Minnesota License

Mississippi Licensed Debt Management Service

Mississippi Department of Banking and Consumer Finance
P.O. Box 12129
Jackson, MS 39236-2129

License Number: DM-22

View Mississippi License

Montana Registered Consumer Debt Management Service

Montana Department of Justice
Office of Consumer Protection
P.O. Box 200151
Helena, MO 59620-0151

License Number: 184958

View Montana License

Nebraska Licensed Debt Management Business

Nebraska Secretary of State
Licensing Division
1201 N Street (Ste 120)
Lincoln, NE 68508

License Number: No Number Issued

View Nebraska License

Nevada Registered Debt Management Service

State of Nevada Financial Institutions Division
Department of Business and Industry
1830 E. College Parkway, Suite 100
Carson City, NV 89706

License Number: DMSM11012

View Nevada License

New Hampshire Licensed Debt Adjuster

New Hampshire Banking Department
53 Regional Drive
Suite 200
Concord, NH 03301

License Number: 13768-DA

View New Hampshire License

New Jersey Licensed Debt Adjuster

New Jersey Department of Banking and Insurance
Licensing Services Bureau
PO Box 473
Trenton, NJ 08625-0473

License Number: 0518603-C14

View New Jersey License

New York Licensed Budget Planner

New York State Department of Financial Services
One State Street
New York, NY 10004

License Number: BP 102555

View New York License

Oregon Registered Debt Management Service Provider

Oregon Dept. of Consumer and Business Services
Division of Financial Regulations
350 Winter Street NE, Room 410
Salem, OR 97301-3881

License Number: DM-80020

View Oregon License

Pennsylvania Licensed Debt Management Service

Pennsylvania Department of Banking & Securities
Non-Depository Licensing Office
17 North Second Street, Suite 1300
Harrisburg, PA 17101

License Number: 23256

View Pennsylvania License

Rhode Island Licensed Debt Management Service

State of Rhode Island Dept. of Business Regulation
Division of Banking
1151 Pontiac Avenue, Bldg. 68-1
Cranston, RI 02920

License Number: 20132893DM

View Rhode Island License

South Carolina Licensed Credit Counseling Organization

State of South Carolina Dept. of Consumer Affairs
293 Greystone Boulevard, Suite 400
Columbia, SC 29210

License Number: CCL-144579

View South Carolina License

Tennessee Licensed Debt Management Service

Tennessee Department of Commerce and Insurance
500 James Robertson Parkway
9th Floor - Davy Crockett Tower Nashville, TN 37243-0565

License Number: 17

View Tennessee License

Texas Registered Debt Management Service Provider

Office of Consumer Credit Commissioner
Finance Commission Building
2601 N. Lamar Boulevard
Austin, TX 78705

License Number: 1400000154-125729

View Texas License

US Virgin Islands Registered Debt Management Service Provider

US Virgin Islands Off. of Lt. Governor
Banking, Ins. & Financial Reg.
#5049 Kongens Gade
St. Thomas, USVI 00802

License Number: DMSP-02

View USVI License

Utah Registered Debt Management Service

Department of Commerce
Division of Consumer Protection
160 East 300 South, Box 146704
Salt Lake City, UT 84114-6704

License Number: 6760639-DBTM

View Utah License

Vermont Licensed Debt Adjuster

State of Vermont
Department of Financial Regulations
89 Main Street
Montpelier, VT 05620-3101

License Number: DA-28

View Vermont License

Virginia Credit Counseling Agency

Bureau of Financial Institutions
State Corporation Commission
1300 East Main Street, Suite 800
P.O. Box 640
Richmond, VA 23218-0640

License Number: DC-91

View Virginia License

Wisconsin Licensed Adjustment Service Company

WI Department of Financial Institutions
4822 Madison Yards Way
North Tower
Madison, WI 53705

License Number: 272

View Wisconsin License

Due to exemption or the absence 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 or territories:

  • Puerto Rico


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.


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.