Find Help in Wyoming
94 government-validated organizations serving Wyoming — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Wyoming Residents Need Help
Wyoming's distress metrics fall below national averages across the board, but financial hardship is individual — not statistical. The 94 organizations below serve Wyoming residents dealing with mortgage trouble, debt collection, or bankruptcy regardless of statewide trends.
1 of Wyoming's 1 HUD-approved housing counselor offers foreclosure and default counseling. None currently list Spanish-language services. 1 offers reverse mortgage counseling.
14 of the 42 DOJ-approved credit counselors serving Wyoming offer in-person sessions, and 38 offer online counseling. For the post-filing debtor education course, 10 of 50 providers offer in-person classes.
Housing Counselors (1)
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 (50)
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 Wyoming
Read the full Wyoming foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Wyoming
Mr. Cooper Group Inc. leads with 58 mortgage complaints recorded by the Consumer Financial Protection Bureau in Wyoming (out of 376 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 Mr. Cooper Group Inc. complaint profile
Wyoming Resources
Frequently Asked Questions
How many verified help providers are in Wyoming?
There are 94 government-validated organizations serving Wyoming: 1 HUD-approved housing counselors, 42 DOJ-approved credit counselors, 50 debtor education providers, and 1 LSC-funded legal aid offices.
Are housing counselors in Wyoming 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. Wyoming uses non-judicial foreclosure. In Wyoming, foreclosures that finished in the second quarter of 2026 took an average of 173 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 Wyoming?
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. Wyoming had 572 bankruptcy filings last year (#38 nationally per capita). 83% were Chapter 7 liquidations and 15% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Wyoming?
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. Wyoming has 1 LSC-funded legal aid office — Legal Aid of Wyoming, Inc. 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 Wyoming use?
Wyoming uses non-judicial foreclosure. In Wyoming, foreclosures that finished in the second quarter of 2026 took an average of 173 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 Wyoming foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Wyoming?
Wyoming has 376 mortgage complaints on record from the Consumer Financial Protection Bureau across the mortgage servicers we track. The most-complained-about servicer is Mr. Cooper Group Inc. with 58 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 Mr. Cooper Group Inc.'s full complaint profile.