Find Help in North Dakota
95 government-validated organizations serving North Dakota — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why North Dakota Residents Need Help
North Dakota's distress metrics fall below national averages across the board, but financial hardship is individual — not statistical. The 95 organizations below serve North Dakota residents dealing with mortgage trouble, debt collection, or bankruptcy regardless of statewide trends.
North Dakota's 3 HUD-approved housing counselors provide pre-purchase education, financial counseling, and rental assistance. None currently list Spanish-language services.
14 of the 42 DOJ-approved credit counselors serving North Dakota offer in-person sessions, and 38 offer online counseling. For the post-filing debtor education course, 10 of 49 providers offer in-person classes.
Housing Counselors (3)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
Credit Counselors (42)
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 (49)
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 North Dakota
Read the full North Dakota foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in North Dakota
Wells Fargo & Company leads with 38 mortgage complaints recorded by the Consumer Financial Protection Bureau in North Dakota (out of 230 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
North Dakota Resources
Frequently Asked Questions
How many verified help providers are in North Dakota?
There are 95 government-validated organizations serving North Dakota: 3 HUD-approved housing counselors, 42 DOJ-approved credit counselors, 49 debtor education providers, and 1 LSC-funded legal aid offices.
Are housing counselors in North Dakota 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. North Dakota uses 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 North Dakota?
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. North Dakota had 620 bankruptcy filings last year (#43 nationally per capita). 89% were Chapter 7 liquidations and 10% were Chapter 13 repayment plans.
How do I qualify for free legal aid in North Dakota?
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. North Dakota has 1 LSC-funded legal aid office — Legal Services of North Dakota 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 North Dakota use?
North Dakota uses judicial foreclosure. Court oversight means the process can take longer but provides more procedural protections. See our full North Dakota foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in North Dakota?
North Dakota has 230 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 38 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.