Find Help in Alaska
94 government-validated organizations serving Alaska — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Alaska Residents Need Help
Alaska's overall distress metrics fall near or below national averages, though a $69,460 total debt balance per adult with a credit file stands out. The 94 organizations below serve residents regardless of where the state ranks — individual financial hardship doesn't follow state averages.
Alaska's 1 HUD-approved housing counselor provides pre-purchase education, financial counseling, and rental assistance. None currently list Spanish-language services.
15 of the 44 DOJ-approved credit counselors serving Alaska offer in-person sessions, and 39 offer online counseling. For the post-filing debtor education course, 11 of 48 providers offer in-person classes.
Housing Counselors (1)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
Credit Counselors (44)
Agencies approved by the U.S. Department of Justice provide the required pre-filing credit counseling for bankruptcy, plus general debt management plans.
Debtor Education (48)
U.S. Department of Justice-approved providers offer the required post-filing debtor education course in bankruptcy proceedings.
Legal Aid (1)
Federally funded legal aid organizations providing free civil legal assistance to low-income individuals facing foreclosure, debt, and housing issues.
Foreclosure in Alaska
Read the full Alaska foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Alaska
Wells Fargo & Company leads with 117 mortgage complaints recorded by the Consumer Financial Protection Bureau in Alaska (out of 473 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
Alaska Resources
Frequently Asked Questions
How many verified help providers are in Alaska?
There are 94 government-validated organizations serving Alaska: 1 HUD-approved housing counselors, 44 DOJ-approved credit counselors, 48 debtor education providers, and 1 LSC-funded legal aid offices.
Are housing counselors in Alaska 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. Alaska uses non-judicial foreclosure. In Alaska, foreclosures that finished in the second quarter of 2026 took an average of 199 days from the start of the foreclosure process to completion, according to ATTOM. 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 Alaska?
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. Alaska had 238 bankruptcy filings last year (#51 nationally per capita). 72% were Chapter 7 liquidations and 26% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Alaska?
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. Alaska has 1 LSC-funded legal aid office — Alaska Legal Services Corporation 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 Alaska use?
Alaska uses non-judicial foreclosure. In Alaska, foreclosures that finished in the second quarter of 2026 took an average of 199 days from the start of the foreclosure process to completion, according to ATTOM. Individual cases vary. Without court oversight, the process can move faster — making early action even more critical. See our full Alaska foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Alaska?
Alaska has 473 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 117 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.