Find Help in Georgia
135 government-validated organizations serving Georgia — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Georgia Residents Need Help
Georgia residents carry $62K in debt per capita (national average: $63K) and face a credit card delinquency rate of 13.91% — ranking #5 nationally. Multiple distress indicators exceed national averages, making access to the 135 verified counseling and legal aid organizations here especially critical.
Georgia's State Distress Index score is 64.9 (Elevated), ranking #3 of 51 jurisdictions.
32 of Georgia's 39 HUD-approved housing counselors offer foreclosure and default counseling. 12 agencies serve in Spanish, with 9 non-English languages available across all agencies. 7 offer reverse mortgage counseling.
13 of the 42 DOJ-approved credit counselors serving Georgia offer in-person sessions, and 38 offer online counseling. For the post-filing debtor education course, 12 of 52 providers offer in-person classes.
1 of Georgia's 2 LSC-funded legal aid organizations are also HUD-approved, meaning it can provide both legal representation and housing counseling.
Housing Counselors (39)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
CCCS OF THE SAVANNAH AREA, INC.
CITY OF ALBANY, GEORGIA
D&E, A HOUSING & ECONOMIC EMPOWERMENT CENTER, INC. (D&E GROUP)
GEORGIA HOUSING AND FINANCE AUTHORITY
TOTALLY FREE, INC.
URBAN LEAGUE OF GREATER COLUMBUS, INC
Credit Counselors (42)
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 (2)
Federally funded legal aid organizations providing free civil legal assistance to low-income individuals facing foreclosure, debt, and housing issues.
Foreclosure in Georgia
Read the full Georgia foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Georgia
Bank Of America, National Association leads with 2,709 CFPB mortgage complaints in Georgia (out of 19,828 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
Georgia Resources
Frequently Asked Questions
How many verified help providers are in Georgia?
There are 135 government-validated organizations serving Georgia: 39 HUD-approved housing counselors, 42 DOJ-approved credit counselors, 52 debtor education providers, and 2 LSC-funded legal aid offices. Of the 39 counselors, 32 offer foreclosure prevention services and 12 serve in Spanish.
Are housing counselors in Georgia 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. Georgia uses non-judicial (trustee sale) foreclosure, with a typical timeline of 2 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 Georgia?
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. Georgia had 31,593 bankruptcy filings last year (#5 nationally per capita). 45% were Chapter 7 liquidations and 53% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Georgia?
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. Georgia has 2 LSC-funded legal aid offices — Atlanta Legal Aid Society, 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 Georgia use?
Georgia uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 1–2 months. Without court oversight, the process moves faster — making early action even more critical. See our full Georgia foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Georgia?
Georgia has 19,828 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is BANK OF AMERICA, NATIONAL ASSOCIATION with 2,709 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.