Find Help in Arizona
107 government-validated organizations serving Arizona — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Arizona Residents Need Help
Arizona residents carry $71K in debt per capita (national average: $63K) and face a credit card delinquency rate of 13.67% — ranking #8 nationally. Multiple distress indicators exceed national averages, making access to the 107 verified counseling and legal aid organizations here especially critical.
Arizona's State Distress Index score is 52.1 (Elevated), ranking #24 of 51 jurisdictions.
15 of Arizona's 19 HUD-approved housing counselors offer foreclosure and default counseling. 14 agencies serve in Spanish, with 3 non-English languages available across all agencies. 3 offer reverse mortgage counseling.
11 of the 38 DOJ-approved credit counselors serving Arizona offer in-person sessions, and 34 offer online counseling. For the post-filing debtor education course, 8 of 48 providers offer in-person classes.
Housing Counselors (19)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
TAKE CHARGE AMERICA
TAKE CHARGE AMERICA- EL CENTRO
UNIDOSUS COUNSELING CONNECTION (UCC)
WESTERN ARIZONA COUNCIL OF GOVERNMENTS (WACOG)
Credit Counselors (38)
DOJ-approved agencies providing the required pre-filing credit counseling for bankruptcy, plus general debt management plans.
American Consumer Credit Counseling, Inc.
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Debtor Education (48)
DOJ-approved providers for the required post-filing debtor education course in bankruptcy proceedings.
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Legal Aid (2)
Federally funded legal aid organizations providing free civil legal assistance to low-income individuals facing foreclosure, debt, and housing issues.
Foreclosure in Arizona
Read the full Arizona foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Arizona
Bank Of America, National Association leads with 1,206 CFPB mortgage complaints in Arizona (out of 8,786 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
Arizona Resources
Frequently Asked Questions
How many verified help providers are in Arizona?
There are 107 government-validated organizations serving Arizona: 19 HUD-approved housing counselors, 38 DOJ-approved credit counselors, 48 debtor education providers, and 2 LSC-funded legal aid offices. Of the 19 counselors, 15 offer foreclosure prevention services and 14 serve in Spanish.
Are housing counselors in Arizona free?
Yes. HUD-approved housing counselors provide free, confidential assistance. They can help you understand your options if you're behind on your mortgage, facing foreclosure, or dealing with a reverse mortgage. Arizona uses non-judicial (trustee sale) foreclosure, with a typical timeline of 5 months. The earlier you contact a counselor, the more options you'll have. Call 1-800-569-4287 to reach one.
What is the difference between credit counseling and debtor education in Arizona?
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 DOJ-approved agencies. Arizona had 12,891 bankruptcy filings last year (#23 nationally per capita). 83% were Chapter 7 liquidations and 16% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Arizona?
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. Arizona has 2 LSC-funded legal aid offices — Community Legal Services, Inc. is one of the primary providers.
How current is this directory data?
Provider listings are pulled from federal government databases: HUD's Housing Counselor API, the DOJ US Trustee Program's approved agency feeds, and the Legal Services Corporation's grantee database. Data is refreshed periodically from these official sources.
What type of foreclosure does Arizona use?
Arizona uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 3–5 months. Without court oversight, the process moves faster — making early action even more critical. See our full Arizona foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Arizona?
Arizona has 8,786 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is BANK OF AMERICA, NATIONAL ASSOCIATION with 1,206 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.