Find Help in Montana
95 government-validated organizations serving Montana — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Montana Residents Need Help
Montana's distress metrics fall below national averages across the board, but financial hardship is individual — not statistical. The 95 organizations below serve Montana residents dealing with mortgage trouble, debt collection, or bankruptcy regardless of statewide trends.
6 of Montana's 10 HUD-approved housing counselors offer foreclosure and default counseling. 1 agency serves in Spanish, with 24 non-English languages available across all agencies. 3 offer reverse mortgage counseling.
13 of the 39 DOJ-approved credit counselors serving Montana offer in-person sessions, and 35 offer online counseling. For the post-filing debtor education course, 8 of 45 providers offer in-person classes.
1 of Montana's 1 LSC-funded legal aid organization is also HUD-approved, meaning it can provide both legal representation and housing counseling.
Housing Counselors (10)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
Credit Counselors (39)
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 (45)
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.
Montana Legal Services Association
Also HUD-ApprovedForeclosure in Montana
Read the full Montana foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Montana
Wells Fargo & Company leads with 99 mortgage complaints recorded by the Consumer Financial Protection Bureau in Montana (out of 638 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
Montana Resources
Frequently Asked Questions
How many verified help providers are in Montana?
There are 95 government-validated organizations serving Montana: 10 HUD-approved housing counselors, 39 DOJ-approved credit counselors, 45 debtor education providers, and 1 LSC-funded legal aid offices. Of the 10 counselors, 6 offer foreclosure prevention services and 1 serve in Spanish.
Are housing counselors in Montana 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. Montana 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 Montana?
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. Montana had 830 bankruptcy filings last year (#45 nationally per capita). 81% were Chapter 7 liquidations and 16% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Montana?
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. Montana has 1 LSC-funded legal aid office — Montana Legal Services Association 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 Montana use?
Montana uses non-judicial foreclosure. Without court oversight, the process can move faster — making early action even more critical. See our full Montana foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Montana?
Montana has 638 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 99 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.