Find Help in Alabama
25 government-validated organizations serving Alabama — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Alabama Residents Need Help
Alabama shows mixed signals — auto loan delinquency at 6.55% and mortgage delinquency at 1.15% stand out above national averages. The NY Fed reports a $48,910 total debt balance per adult with a credit file in Alabama. The 25 verified organizations below can help residents navigate these financial pressures.
19 of Alabama's 24 HUD-approved housing counselors offer foreclosure and default counseling. 8 agencies serve in Spanish, with 2 non-English languages available across all agencies. 1 offers reverse mortgage counseling.
1 of Alabama's 1 LSC-funded legal aid organization is also HUD-approved, meaning it can provide both legal representation and housing counseling.
Housing Counselors (24)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
NID-HCA PERRY COUNTY AL
Legal Aid (1)
Federally funded legal aid organizations providing free civil legal assistance to low-income individuals facing foreclosure, debt, and housing issues.
Legal Services Alabama, Inc.
Also HUD-ApprovedForeclosure in Alabama
Read the full Alabama foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Alabama
Wells Fargo & Company leads with 445 mortgage complaints recorded by the Consumer Financial Protection Bureau in Alabama (out of 3,814 total across all servicers). If you're having issues with your servicer, a HUD-approved counselor can help you navigate the complaint process.
File a CFPB complaint · View full Wells Fargo & Company complaint profile
Alabama Resources
Frequently Asked Questions
How many verified help providers are in Alabama?
There are 25 government-validated organizations serving Alabama: 24 HUD-approved housing counselors, 0 DOJ-approved credit counselors, 0 debtor education providers, and 1 LSC-funded legal aid offices. Of the 24 counselors, 19 offer foreclosure prevention services and 8 serve in Spanish.
Are housing counselors in Alabama free?
Yes. HUD-approved housing counseling agencies provide foreclosure prevention counseling free of charge, and a counselor can help you talk to your mortgage servicer and understand any options it has offered. Alabama uses non-judicial foreclosure. The earlier you contact a counselor, the more options you'll have. HUD's referral line is 1-800-569-4287.
What is the difference between credit counseling and debtor education in Alabama?
Credit counseling is required before filing for bankruptcy — a counselor reviews your finances and discusses alternatives. Debtor education is required after filing — a course that covers budgeting, money management, and using credit wisely. Both are provided by U.S. Department of Justice-approved agencies. Alabama had 20,636 bankruptcy filings last year (#1 nationally per capita). 29% were Chapter 7 liquidations and 71% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Alabama?
LSC-funded legal aid is available to low-income individuals, typically those earning below 125% of the federal poverty level. Each organization has its own intake process — call and ask about eligibility. Many can help with foreclosure defense, debt collection harassment, and housing disputes. Alabama has 1 LSC-funded legal aid office — Legal Services Alabama, Inc. is the primary provider.
How current is this directory data?
Provider listings are pulled from federal government databases: the U.S. Department of Housing and Urban Development Housing Counselor API, the U.S. Department of Justice U.S. Trustee Program approved-agency feeds, and the Legal Services Corporation grantee database. Data is refreshed periodically from these official sources.
What type of foreclosure does Alabama use?
Alabama uses non-judicial foreclosure. Without court oversight, the process can move faster — making early action even more critical. See our full Alabama foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Alabama?
Alabama has 3,814 mortgage complaints on record from the Consumer Financial Protection Bureau across the mortgage servicers we track. The most-complained-about servicer is WELLS FARGO & COMPANY with 445 complaints. If you're having issues with your servicer, a HUD-approved counselor can help you navigate the complaint process, or you can file a CFPB complaint directly. See WELLS FARGO & COMPANY's full complaint profile.