Find Verified Help

Every organization listed here is government-validated — approved by HUD, the DOJ, or funded by the Legal Services Corporation. 1,642 providers across all 50 states and DC.

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Need help right now? Call a HUD-approved counselor at 1-800-569-4287 (free, confidential) or find one near you online.

Browse by Category

🏠 HUD-Approved

Housing Counselors

1,323 organizations

HUD-approved counselors who can review your situation, negotiate with your lender, and help you explore options — at no cost to you.

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💳 DOJ-Approved

Credit Counselors

65 organizations

DOJ-approved agencies that provide the required pre-filing credit counseling for bankruptcy, plus general debt management plans.

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📋 DOJ-Approved

Debtor Education

126 organizations

DOJ-approved providers for the required post-filing debtor education course in bankruptcy proceedings.

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⚖️ LSC-Funded

Legal Aid

128 organizations

Federally funded legal aid organizations that provide free civil legal assistance to low-income Americans facing foreclosure, debt, and housing issues.

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Find Help by State

Select your state to see all verified providers near you — housing counselors, credit counselors, legal aid offices, and more.

AL 24 AK 90 AZ 107 AR 109 CA 187 CO 107 CT 98 DE 95 DC 108 FL 193 GA 135 HI 104 ID 93 IL 180 IN 112 IA 100 KS 89 KY 111 LA 120 ME 92 MD 127 MA 123 MI 146 MN 128 MS 105 MO 118 MT 93 NE 95 NV 91 NH 88 NJ 126 NM 94 NY 189 NC 55 ND 92 OH 154 OK 96 OR 102 PA 174 RI 89 SC 98 SD 103 TN 123 TX 155 UT 92 VT 94 VA 138 WA 107 WV 100 WI 119 WY 91
Disclaimer: American Default does not endorse, rate, or rank any provider. All listings are sourced from federal government databases (HUD, DOJ US Trustee Program, Legal Services Corporation). Inclusion does not constitute a recommendation. Always verify credentials and suitability for your situation independently.

How This Directory Works

1
Government sources only. We pull from HUD's Housing Counselor API, the DOJ US Trustee Program's approved agency lists, and the Legal Services Corporation's grantee database.
2
No ratings or rankings. We don't score providers. Every listed organization met a federal agency's approval criteria — that's the quality signal.
3
Updated automatically. Our data pipeline refreshes from source agencies. When HUD or DOJ updates their lists, ours update too.

Are you a counselor, attorney, or legal aid provider?

Submit your organization to be listed in the directory. Free for government-approved counselors and licensed professionals.

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Related Resources

Help Center

Step-by-step guides for foreclosure, debt, and bankruptcy — plain English, no jargon.

State Foreclosure Laws

Your state's foreclosure timeline, protections, homestead exemption, and anti-deficiency rules.

Behind on Payments?

What to do before foreclosure starts — forbearance, modification, and emergency programs.

Bankruptcy Guide

Chapter 7 vs. 13, the automatic stay, and when filing is the right call.

Servicer Complaints

Look up your mortgage servicer's CFPB complaint record — 440,000+ complaints searchable.

State Distress Profiles

How your state compares on debt, delinquency, and financial distress.

What Is Loss Mitigation?

The process your servicer uses to help you avoid foreclosure — forbearance, modification, and more.

What Is Credit Counseling?

How nonprofit counseling works, what it costs, and when it's required before bankruptcy.

Foreclosure Defined

How foreclosure works, state-by-state timelines, and the difference between judicial and non-judicial.

Chapter 7 Explained

Full liquidation bankruptcy — who qualifies, what you keep, and how long it takes.

Frequently Asked Questions

What is the American Default professional directory?

A searchable database of 1,642 verified organizations that help people facing financial distress — housing counselors, credit counselors, debtor education providers, and legal aid offices. Every listing comes from a government source: HUD, the DOJ US Trustee Program, or the Legal Services Corporation.

How are these providers selected?

We do not select, rate, or rank providers. Every organization listed here was approved or funded by a federal agency: HUD-approved housing counselors, DOJ-approved credit counseling and debtor education agencies, and LSC-funded legal aid grantees. We aggregate these public listings into one searchable directory.

Are these services free?

HUD-approved housing counseling is always free. LSC-funded legal aid is free for qualifying low-income individuals. DOJ-approved credit counseling and debtor education courses may charge modest fees (typically $10-50), though fee waivers are available for those who cannot pay.

How often is the directory updated?

Directory data is refreshed from source agencies periodically. HUD counselor data comes from the HUD Housing Counselor API. DOJ credit counseling and debtor education lists are parsed from the US Trustee Program's daily XML feeds. LSC legal aid data comes from the LSC's Programs database.

How do I get my organization listed?

This directory primarily aggregates listings from federal agencies (HUD, DOJ, LSC). If your organization is government-approved or you are a licensed attorney, you can also submit your listing for review. All submissions are reviewed before publication.

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If you're struggling with debt or facing foreclosure, free help is available. Find help near you · Browse the Glossary · The U.S. Department of Housing and Urban Development provides HUD-approved housing counselors at no cost. You can also call 1-800-569-4287.