DDP Debt Disclosure Project Public Record & Guidance

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Pick any two providers and see their records side by side. Comparisons are generated from the records themselves rather than written separately, so a comparison can never say something a record doesn't. Same fields, same sources, same methodology for every company.

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Entity Type Nonprofit, 501(c)(3) Choose a provider
Headquarters 67 Hunt Street, Suite 305, Agawam, MA 01001-1920 [1][5] Choose a provider
Coverage 26 - 47 States + U.S. Virgin Islands (not all services in all states) Choose a provider
Fee Summary Nonprofit debt management plan. Average $40 setup fee (max $75) plus average $30/month (max $50). Choose a provider
Total Revenue $9,033,538 Choose a provider
Program Service Revenue 86% Choose a provider
CFPB Complaints Not compiled Choose a provider
BBB Complaints Not compiled Choose a provider
Accreditations BBB Accredited BBB Rating: A+ Choose a provider

A comparison shows you what the public record supports. It does not tell you which company to choose, and it is not a ranking. For how each option type works and what it costs in total, start with the Learn hub or run your own numbers in the Cost Calculator.

Sources

Cambridge Credit Counseling
  1. Cambridge Credit Counseling official website — Cambridge Credit Counseling (2026-09-14) — First-party provider website.
  2. Disclosures & State Licenses — Cambridge Credit Counseling Corp. (2026-09-14) — Primary provider disclosure for services, funding model, licensing list, and NMLS number.
  3. Bankruptcy Counseling — Cambridge Credit Counseling Corp. (2026-09-14) — Provider disclosure for bankruptcy-counseling approval coverage and funding sources.
  4. Frequently Asked Questions — Cambridge Credit Counseling Corp. (2026-09-14) — Provider source for current fee caps, average fees, and no-cost initial counseling.
  5. Cambridge Credit Counseling Corporation BBB Business Profile — Better Business Bureau (2026-09-14) — Independent BBB profile for entity type, 1996 business start/incorporation dates, accreditation date, rating, and listed service area.
  6. Cambridge Credit Corp. Nonprofit Explorer and Form 990 data — ProPublica, using IRS Form 990 data (2026-09-14) — IRS-derived filing data for EIN, tax-exempt status, June 2025 financials, program-service revenue, and available executive compensation lines.
  7. NMLS Consumer Access record for Cambridge Credit Counseling Corp. — Nationwide Multistate Licensing System / Cambridge-hosted NMLS record (2026-09-14) — NMLS record for NMLS ID 938355, not-for-profit corporation structure, formation date, prior-name fields, and posted regulatory-action status.

Every field is traced to a named public document with its filing date, or left blank.