Find Help in Connecticut
98 government-validated organizations serving Connecticut — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Connecticut Residents Need Help
Connecticut shows mixed signals — mortgage delinquency at 0.97% and total debt per capita of $68K stand out above national averages. With $68K in debt per capita, the 98 verified organizations below can help residents navigate these financial pressures.
Connecticut's State Distress Index score is 44.4 (Normal), ranking #35 of 51 jurisdictions.
12 of Connecticut's 14 HUD-approved housing counselors offer foreclosure and default counseling. 9 agencies serve in Spanish, with 2 non-English languages available across all agencies. 2 offer reverse mortgage counseling.
12 of the 39 DOJ-approved credit counselors serving Connecticut offer in-person sessions, and 35 offer online counseling. For the post-filing debtor education course, 7 of 44 providers offer in-person classes.
Housing Counselors (14)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
BRIDGEPORT NEIGHBORHOOD TRUST
COMMUNITY RENEWAL TEAM, INC.
Credit Counselors (39)
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 (44)
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 Connecticut
Read the full Connecticut foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Connecticut
Bank Of America, National Association leads with 655 CFPB mortgage complaints in Connecticut (out of 5,062 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
Connecticut Resources
Frequently Asked Questions
How many verified help providers are in Connecticut?
There are 98 government-validated organizations serving Connecticut: 14 HUD-approved housing counselors, 39 DOJ-approved credit counselors, 44 debtor education providers, and 1 LSC-funded legal aid offices. Of the 14 counselors, 12 offer foreclosure prevention services and 9 serve in Spanish.
Are housing counselors in Connecticut 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. Connecticut uses judicial (court-supervised) foreclosure, with a typical timeline of 10 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 Connecticut?
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. Connecticut had 3,671 bankruptcy filings last year (#35 nationally per capita). 84% were Chapter 7 liquidations and 16% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Connecticut?
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. Connecticut has 1 LSC-funded legal aid office — Statewide Legal Services of Connecticut, 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 Connecticut use?
Connecticut uses judicial (court-supervised) foreclosure. The typical timeline from first missed payment to sale is roughly 6–10 months. Court oversight means the process takes longer but provides more procedural protections. See our full Connecticut foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Connecticut?
Connecticut has 5,062 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is BANK OF AMERICA, NATIONAL ASSOCIATION with 655 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.