Find Help in Arkansas
109 government-validated organizations serving Arkansas — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Arkansas Residents Need Help
Arkansas residents carry $43K in debt per capita (national average: $63K) and face a credit card delinquency rate of 13.84% — ranking #6 nationally. Multiple distress indicators exceed national averages, making access to the 109 verified counseling and legal aid organizations here especially critical.
Arkansas's State Distress Index score is 54.1 (Elevated), ranking #19 of 51 jurisdictions.
11 of Arkansas's 13 HUD-approved housing counselors offer foreclosure and default counseling. 7 agencies serve in Spanish, with 3 non-English languages available across all agencies. 2 offer reverse mortgage counseling.
14 of the 43 DOJ-approved credit counselors serving Arkansas offer in-person sessions, and 38 offer online counseling. For the post-filing debtor education course, 10 of 52 providers offer in-person classes.
Housing Counselors (13)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
COMMUNITY RESOURCES TECHNICIANS, INC.
Credit Counselors (43)
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 (52)
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 (1)
Federally funded legal aid organizations providing free civil legal assistance to low-income individuals facing foreclosure, debt, and housing issues.
Foreclosure in Arkansas
Read the full Arkansas foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Arkansas
Bank Of America, National Association leads with 184 CFPB mortgage complaints in Arkansas (out of 1,571 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
Arkansas Resources
Frequently Asked Questions
How many verified help providers are in Arkansas?
There are 109 government-validated organizations serving Arkansas: 13 HUD-approved housing counselors, 43 DOJ-approved credit counselors, 52 debtor education providers, and 1 LSC-funded legal aid offices. Of the 13 counselors, 11 offer foreclosure prevention services and 7 serve in Spanish.
Are housing counselors in Arkansas 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. Arkansas uses non-judicial (trustee sale) foreclosure, with a typical timeline of 9 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 Arkansas?
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. Arkansas had 6,997 bankruptcy filings last year (#9 nationally per capita). 43% were Chapter 7 liquidations and 56% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Arkansas?
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. Arkansas has 1 LSC-funded legal aid office — Legal Aid of Arkansas, Inc. is the primary provider.
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 Arkansas use?
Arkansas uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 6–9 months. Lenders may choose either path, so timelines vary. See our full Arkansas foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Arkansas?
Arkansas has 1,571 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is BANK OF AMERICA, NATIONAL ASSOCIATION with 184 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.