Find Help in Mississippi
109 government-validated organizations serving Mississippi — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Mississippi Residents Need Help
The NY Fed reports a $41,450 total debt balance per adult with a credit file in Mississippi (national average: $63,200 on the same basis); its credit card delinquency rate of 13.36% ranks #9 nationally. Multiple distress indicators exceed national averages, making access to the 109 verified counseling and legal aid organizations here especially critical.
13 of Mississippi's 16 HUD-approved housing counselors offer foreclosure and default counseling. 4 agencies serve in Spanish, with 2 non-English languages available across all agencies.
14 of the 43 DOJ-approved credit counselors serving Mississippi offer in-person sessions, and 38 offer online counseling. For the post-filing debtor education course, 8 of 48 providers offer in-person classes.
1 of Mississippi's 2 LSC-funded legal aid organizations are also HUD-approved, meaning it can provide both legal representation and housing counseling.
Housing Counselors (16)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
Credit Counselors (43)
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 (2)
Federally funded legal aid organizations providing free civil legal assistance to low-income individuals facing foreclosure, debt, and housing issues.
Foreclosure in Mississippi
Read the full Mississippi foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Mississippi
Ocwen Financial Corporation leads with 164 mortgage complaints recorded by the Consumer Financial Protection Bureau in Mississippi (out of 1,727 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 Ocwen Financial Corporation complaint profile
Mississippi Resources
Frequently Asked Questions
How many verified help providers are in Mississippi?
There are 109 government-validated organizations serving Mississippi: 16 HUD-approved housing counselors, 43 DOJ-approved credit counselors, 48 debtor education providers, and 2 LSC-funded legal aid offices. Of the 16 counselors, 13 offer foreclosure prevention services and 4 serve in Spanish.
Are housing counselors in Mississippi 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. Mississippi 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 Mississippi?
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. Mississippi had 9,774 bankruptcy filings last year (#2 nationally per capita). 46% were Chapter 7 liquidations and 54% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Mississippi?
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. Mississippi has 2 LSC-funded legal aid offices — Mississippi Center for Legal Services is one of the primary providers.
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 Mississippi use?
Mississippi uses non-judicial foreclosure. Without court oversight, the process can move faster — making early action even more critical. See our full Mississippi foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Mississippi?
Mississippi has 1,727 mortgage complaints on record from the Consumer Financial Protection Bureau across the mortgage servicers we track. The most-complained-about servicer is Ocwen Financial Corporation with 164 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 Ocwen Financial Corporation's full complaint profile.