Find Help in Delaware
95 government-validated organizations serving Delaware — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Delaware Residents Need Help
Delaware residents carry $66K in debt per capita (national average: $63K) and face a credit card delinquency rate of 12.22% — ranking #16 nationally. Multiple distress indicators exceed national averages, making access to the 95 verified counseling and legal aid organizations here especially critical.
Delaware's State Distress Index score is 62.1 (Elevated), ranking #7 of 51 jurisdictions.
11 of Delaware's 11 HUD-approved housing counselors offer foreclosure and default counseling. 5 agencies serve in Spanish, with 2 non-English languages available across all agencies.
11 of the 38 DOJ-approved credit counselors serving Delaware offer in-person sessions, and 34 offer online counseling. For the post-filing debtor education course, 8 of 45 providers offer in-person classes.
Housing Counselors (11)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
FIRST STATE COMMUNITY ACTION AGENCY, INC
HOUSING OPPORTUNITIES OF NORTHERN DELAWARE, INC.
INTERFAITH COMMUNITY HOUSING OF DELAWARE
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 (45)
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 Delaware
Read the full Delaware foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Delaware
Wells Fargo & Company leads with 272 CFPB mortgage complaints in Delaware (out of 1,982 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 Wells Fargo & Company complaint profile
Delaware Resources
Frequently Asked Questions
How many verified help providers are in Delaware?
There are 95 government-validated organizations serving Delaware: 11 HUD-approved housing counselors, 38 DOJ-approved credit counselors, 45 debtor education providers, and 1 LSC-funded legal aid offices. Of the 11 counselors, 11 offer foreclosure prevention services and 5 serve in Spanish.
Are housing counselors in Delaware 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. Delaware uses non-judicial (trustee sale) foreclosure, with a typical timeline of 12 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 Delaware?
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. Delaware had 2,331 bankruptcy filings last year (#10 nationally per capita). 48% were Chapter 7 liquidations and 24% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Delaware?
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. Delaware has 1 LSC-funded legal aid office — Legal Services Corporation of Delaware, 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 Delaware use?
Delaware uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 6–12 months. Lenders may choose either path, so timelines vary. See our full Delaware foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Delaware?
Delaware has 1,982 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 272 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 WELLS FARGO & COMPANY's full complaint profile.