Find Help in New Hampshire
90 government-validated organizations serving New Hampshire — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why New Hampshire Residents Need Help
New Hampshire's overall distress metrics fall near or below national averages, though a $66,480 total debt balance per adult with a credit file stands out. The 90 organizations below serve residents regardless of where the state ranks — individual financial hardship doesn't follow state averages.
3 of New Hampshire's 5 HUD-approved housing counselors offer foreclosure and default counseling. 1 agency serves in Spanish, with 2 non-English languages available across all agencies.
13 of the 39 DOJ-approved credit counselors serving New Hampshire offer in-person sessions, and 36 offer online counseling. For the post-filing debtor education course, 8 of 45 providers offer in-person classes.
Housing Counselors (5)
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.
Foreclosure in New Hampshire
Read the full New Hampshire foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in New Hampshire
Bank Of America, National Association leads with 427 mortgage complaints recorded by the Consumer Financial Protection Bureau in New Hampshire (out of 2,207 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 Bank Of America, National Association complaint profile
New Hampshire Resources
Frequently Asked Questions
How many verified help providers are in New Hampshire?
There are 90 government-validated organizations serving New Hampshire: 5 HUD-approved housing counselors, 39 DOJ-approved credit counselors, 45 debtor education providers, and 1 LSC-funded legal aid offices. Of the 5 counselors, 3 offer foreclosure prevention services and 1 serve in Spanish.
Are housing counselors in New Hampshire 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. New Hampshire uses non-judicial foreclosure. In New Hampshire, foreclosures that finished in the second quarter of 2026 took an average of 157 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 New Hampshire?
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. New Hampshire had 935 bankruptcy filings last year (#48 nationally per capita). 70% were Chapter 7 liquidations and 28% were Chapter 13 repayment plans.
How do I qualify for free legal aid in New Hampshire?
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. New Hampshire has 1 LSC-funded legal aid office — 603 Legal Aid 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 New Hampshire use?
New Hampshire uses non-judicial foreclosure. In New Hampshire, foreclosures that finished in the second quarter of 2026 took an average of 157 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 New Hampshire foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in New Hampshire?
New Hampshire has 2,207 mortgage complaints on record from the Consumer Financial Protection Bureau across the mortgage servicers we track. The most-complained-about servicer is BANK OF AMERICA, NATIONAL ASSOCIATION with 427 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 BANK OF AMERICA, NATIONAL ASSOCIATION's full complaint profile.