Find Help in Illinois
180 government-validated organizations serving Illinois — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Illinois Residents Need Help
Illinois shows mixed signals — auto loan delinquency at 5.59% and mortgage delinquency at 1.15% stand out above national averages. With $54K in debt per capita, the 180 verified organizations below can help residents navigate these financial pressures.
Illinois's State Distress Index score is 57.3 (Elevated), ranking #11 of 51 jurisdictions.
70 of Illinois's 81 HUD-approved housing counselors offer foreclosure and default counseling. 29 agencies serve in Spanish, with 24 non-English languages available across all agencies. 9 offer reverse mortgage counseling.
16 of the 43 DOJ-approved credit counselors serving Illinois offer in-person sessions, and 37 offer online counseling. For the post-filing debtor education course, 12 of 53 providers offer in-person classes.
Housing Counselors (81)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
ACCESS LIVING OF METROPOLITAN CHICAGO
Chicago — 115 W Chicago Ave 312-640-2100
Rental Housing CounselingRHW
Chicago — 1831 E 79th St 773-483-3888
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more
Languages: English, Spanish
Chicago — 4477 S Archer Ave 773-523-7110
Default/Foreclosure CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +3 more
Languages: English, Spanish
FLORA — 835 West North 618-662-4024
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +6 more
TAYLORVILLE — 220 W. Franklin 217-824-4712-22
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +6 more
C.E.F.S. ECONOMIC OPPORTUNITY CORPORATION
Effingham — 1805 S Banker St 217-342-2193
Default/Foreclosure CounselingFinancial/Budget CounselingHome Improvement/Rehab CounselingHomeless/Displacement Counseling +2 more
Effingham — 1010 W Jefferson Ave 217-347-7514
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +6 more
VANDALIA — 517 W. Gallatin Street 618-283-2631
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +6 more
SULLIVAN — 114 E. Harrison Street 217-728-7721
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +6 more
SHELBYVILLE — 515 N. Cedar 217-774-4541
Default/Foreclosure CounselingRental Housing Counseling
CHICAGO HEIGHTS — 1215 West End Ave. 312-288-8010
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more
HARVEY — 53 E 154th St 312-288-8010
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more
CICERO — 6141 West Roosevelt Road 312-288-8010
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopHomeless/Displacement Counseling +6 more
Languages: English, Spanish
Chicago — 567 W Lake St 312-288-8010
Default/Foreclosure CounselingFinancial/Budget CounselingHomeless/Displacement CounselingPre-Purchase Counseling +2 more
Languages: ASL, English
CENTER FOR CHANGING LIVES
Chicago — 1955 N Saint Louis Ave 773-342-6210
Financial/Budget CounselingFinancial/Budget WorkshopHomeless/Displacement CounselingPre-Purchase Counseling +2 more
Des Plaines — 1665 Elk Blvd 847-823-0453
Default/Foreclosure CounselingFinancial/Budget CounselingHomeless/Displacement CounselingRental Housing Counseling
Chicago — 4510 S Michigan Ave 773-285-1500
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
CHICAGO — 2141 South Tan Court 312-791-0418
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +8 more
Languages: Cantonese, CHI, English
COMMUNITY INVESTMENT CORPORATION OF DECATUR, INC
Decatur — 120 N Franklin St Ste C 217-423-0352
Default/Foreclosure CounselingFinancial/Budget CounselingPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +1 more
Libertyville — 800 S Milwaukee Ave Ste 201 847-263-7478
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopPre-Purchase Counseling +2 more
Languages: English, Spanish
Elgin — 620 Wing St 815-338-5757
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +8 more
Languages: English, Spanish
Woodstock — 13707 W Jackson St 815-338-5757
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +8 more
Languages: English, Spanish
CORNERSTONE COMMUNITY DEVELOPMENT CORPORATION, NFP
Ford Heights — 943 E Lincoln Hwy 708-758-2565
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopPre-Purchase Counseling +2 more
Chicago — 332 S Michigan Ave 817-583-7111
Default/Foreclosure CounselingFinancial/Budget WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +2 more
Languages: English, Other, Spanish
Wheaton — 1600 E Roosevelt Rd 630-260-2500
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
Languages: English, Spanish
Rock Island — 100 19th St Ste 109 309-788-6311
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingNon-Delinquency Post-Purchase Workshop +3 more
EMBARRAS RIVER BASIN AGENCY, INC.
Greenup — 400 W Pleasant St 217-923-3113
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
MARTINSVILLE — 2 W. Cumberland St 217-331-7031-229
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +4 more
Charleston — 696 Castle Dr 217-331-7031-229
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +4 more
Mattoon — 416 S 17th St 217-331-7031-229
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
ROBINSON — 100 W Washington 217-331-7031-229
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +4 more
GREENUP — 115 S Kentucky 217-331-7031-229
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +4 more
TUSCOLA — 107 W South Central 217-331-7031-229
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +4 more
Paris — 114 Andrew St 217-331-7031-229
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +4 more
NEWTON — 904 W Jourdan 217-331-7031-229
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +4 more
Lawrenceville — 2101 James St 217-331-7031-229
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +4 more
OLNEY — 306 E Main 217-331-7031-229
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +4 more
ERIE NEIGHBORHOOD HOUSE
Chicago — 1347 W Erie St 312-563-5800
Financial/Budget CounselingFinancial/Budget WorkshopFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +3 more
Chicago — 837 W 115th St 773-831-7107
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +7 more
Languages: English, Spanish
Chicago — 1011 W Lawrence Ave 224-252-2620
Default/Foreclosure CounselingFinancial/Budget CounselingPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +2 more
Chicago — 2601 W 63rd St 773-735-6727
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +3 more
Chicago — 20 N Wacker Dr 312-629-6250
Default/Foreclosure CounselingFinancial/Budget CounselingHomeless/Displacement CounselingPre-Purchase Counseling +1 more
Languages: English, Spanish
HABITAT FOR HUMANITY OF CHAMPAIGN COUNTY
Champaign — 1914 Glenn Park Dr 217-819-5113
Financial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab CounselingNon-Delinquency Post-Purchase Workshop +2 more
Chicago — 4300 N California Ave 773-583-5501
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +8 more
Prospect Heights — 664 N Milwaukee Ave Ste 213 847-520-1999
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +8 more
Languages: English, Korean, Spanish
CHICAGO — 67 E. Madison Street, Suite 1603 312-939-6074
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +8 more
Languages: English, Spanish
Skokie — 5340 Lincoln Ave 847-564-2900
Reverse Mortgage Counseling
Lake Zurich — 22843 N Lakewood Ln 847-223-1170
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +8 more
Languages: English, Spanish
LATIN UNITED COMMUNITY HOUSING ASSOCIATION
Chicago — 1116 N Kedzie Ave 773-772-7170
Financial/Budget CounselingPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop
Chicago — 3843 W Ogden Ave 773-762-8889
Financial/Budget WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop
CARLINVILLE — 760 Anderson Street 217-854-8606-202
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +5 more
ALTON — 408 E Broadway Street 618-463-1906-222
Default/Foreclosure CounselingFair Housing Pre-Purchase Education WorkshopHomeless/Displacement CounselingNon-Delinquency Post-Purchase Workshop +3 more
Peoria — 2605 W Krause Ave 309-676-3832
Default/Foreclosure CounselingFinancial/Budget CounselingHomeless/Displacement CounselingPre-Purchase Counseling +2 more
Languages: English, Spanish
PONTIAC — 320 W Madison St 815-844-8812
Default/Foreclosure CounselingFinancial/Budget CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +2 more
Bloomington — 1301 W Washington St 309-829-0691
Default/Foreclosure CounselingFinancial/Budget CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +2 more
Chicago — 218 W 26th St 312-225-8708
Home Improvement/Rehab CounselingRental Housing Counseling
Languages: Cantonese, CHI, English
Peoria — 416 Main St 866-472-4557
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +3 more
Languages: English, Spanish
Chicago — 850 W Jackson Blvd 773-329-4111
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
Languages: English, Spanish
Chicago — 2950 W Chicago Ave 773-329-4111
Default/Foreclosure CounselingHome Improvement/Rehab CounselingHomeless/Displacement CounselingNon-Delinquency Post-Purchase Workshop +4 more
Languages: English, Spanish
CHICAGO — 639 E. 87th St. 773-329-4111
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +3 more
Languages: English, Spanish
Chicago — 9263 S Ml King Dr 773-429-1600
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopHomeless/Displacement CounselingNon-Delinquency Post-Purchase Workshop +4 more
Schaumburg — 1701 E Woodfield Rd Ste 203 847-969-0561
Financial/Budget CounselingHome Improvement/Rehab CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +2 more
NORTHSIDE COMMUNITY DEVELOPMENT CORPORATION
Chicago — 1530 W Morse Ave 773-262-2290
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingPre-Purchase Counseling +3 more
Chicago — 5233 W Diversey Ave 773-283-3888
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
Languages: Arabic, ASL, Cambodian, Cantonese, CHI, CRE, CZE, English, Farsi, French, German, Hindi, Hmong, Indonesian, Italian, Korean, Other, Polish, Portuguese, Russian, Spanish, Swahili, Turkish, Ukrainian, Vietnamese
Chicago — 4425 W 63rd St Ste 200 773-723-6222
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopNon-Delinquency Post-Purchase Workshop +3 more
Languages: English, Spanish
Chicago — 5934 W Lake St 773-887-5187
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +3 more
Languages: English, Spanish
Evanston — 1740 Ridge Ave Ste 117 847-501-5760
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingHome Improvement/Rehab Counseling +4 more
Languages: English, Spanish
Rockford — 127 N Wyman St 815-319-4462
Financial/Budget CounselingPre-Purchase Counseling
Languages: English, Spanish
Crystal Lake — 101 N Main St Ste 14 847-783-0232
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more
Languages: English, Spanish
Chicago — 5401 S Wentworth Ave Ste 25 773-548-5500
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
SOUTH SUBURBAN HOUSING CENTER
Homewood — 18220 Harwood Ave 708-957-4674
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget WorkshopHome Improvement/Rehab Counseling +3 more
SPANISH COALITION FOR HOUSING
Chicago — 1922 N Pulaski Rd 773-933-7575
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more
CHICAGO — 9010 S. Commercial Ave. 773-933-7575
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFair Housing Pre-Purchase Education Workshop +4 more
Languages: English, Spanish
SPRINGFIELD HOUSING AUTHORITY
Springfield — 200 N 11th St 217-753-5757
Default/Foreclosure CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop
Aurora — 32 S Broadway 630-906-9400
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingNon-Delinquency Post-Purchase Workshop +4 more
Languages: English, Spanish
Chicago — 1818 S Paulina St 312-666-1323
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +7 more
Languages: English, Spanish
FAIRVIEW HEIGHTS — 10220 Lincoln Trail 618-274-1150-126
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFair Housing Pre-Purchase Education WorkshopHomeless/Displacement Counseling +4 more
WESTERN EGYPTIAN ECONOMIC OPPORTUNITY COUNCIL, INC.
Du Quoin — 317 S Washington St 618-542-4656
Default/Foreclosure CounselingFinancial/Budget CounselingHome Improvement/Rehab CounselingHomeless/Displacement Counseling +1 more
Joliet — 2455 Glenwood Ave 815-722-0722
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +4 more
Languages: English, Spanish
Chicago — 2538 S Blue Island Ave 773-741-4743
Financial/Budget WorkshopFair Housing Pre-Purchase Education WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +2 more
Languages: Cantonese, CHI, English, Korean, Spanish
YWCA METROPOLITAN CHICAGO
Chicago — 6600 S Cottage Grove Ave 312-328-0873
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
Credit Counselors (43)
DOJ-approved agencies providing the required pre-filing credit counseling for bankruptcy, plus general debt management plans.
Suite 250 Pittsburgh, PA 888-511-2227
In PersonInternetTelephone
American Consumer Credit Counseling, Inc.
In PersonInternetTelephone
Languages: Spanish
In PersonInternetTelephone
Languages: Spanish
In PersonInternetTelephone
Languages: Spanish
InternetTelephone
Languages: Spanish
InternetTelephone
Languages: American Sign Language, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Creole, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
In Person
Languages: Spanish
Internet
Languages: Spanish
Telephone
Languages: Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Creole, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
Telephone
Languages: American Sign Language, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
In PersonInternetTelephone
Languages: Spanish
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
InternetTelephone
Languages: Spanish
Debtor Education (53)
DOJ-approved providers for the required post-filing debtor education course in bankruptcy proceedings.
In PersonInternetTelephone
Languages: American Sign Language, Spanish
InternetTelephone
Languages: Spanish
InternetTelephone
Languages: American Sign Language, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Creole, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
Internet
Languages: Spanish
Suite 800 Chicago, IL 312-431-5585
In PersonInternet
Telephone
Languages: Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
In PersonInternetTelephone
Languages: Spanish
Six C's for Bankruptcy Programs
Unit 802 Flossmoor, IL (708) 937-3710
In PersonTelephone
Languages: Spanish
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Internet
Languages: Spanish
Legal Aid (3)
Federally funded legal aid organizations providing free civil legal assistance to low-income individuals facing foreclosure, debt, and housing issues.
Foreclosure in Illinois
Process Judicial (court-supervised)
Typical Timeline 210–420 days
Homestead Exemption $15,000 per owner ($30,000 for joint owners with right of survivorship)
Read the full Illinois foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Illinois
Wells Fargo & Company leads with 1,546 CFPB mortgage complaints in Illinois (out of 14,123 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
Disclaimer: American Default does not endorse, rate, or rank any provider. All listings are sourced from federal government databases (HUD, DOJ US Trustee Program, Legal Services Corporation). Inclusion does not constitute a recommendation. Always verify credentials and suitability for your situation independently.
Illinois Resources
Frequently Asked Questions
How many verified help providers are in Illinois?
There are 180 government-validated organizations serving Illinois: 81 HUD-approved housing counselors, 43 DOJ-approved credit counselors, 53 debtor education providers, and 3 LSC-funded legal aid offices. Of the 81 counselors, 70 offer foreclosure prevention services and 29 serve in Spanish.
Are housing counselors in Illinois 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. Illinois uses judicial (court-supervised) foreclosure, with a typical timeline of 14 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 Illinois?
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. Illinois had 26,409 bankruptcy filings last year (#14 nationally per capita). 57% were Chapter 7 liquidations and 42% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Illinois?
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. Illinois has 3 LSC-funded legal aid offices — Land of Lincoln Legal Aid, 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 Illinois use?
Illinois uses judicial (court-supervised) foreclosure. The typical timeline from first missed payment to sale is roughly 7–14 months. Court oversight means the process takes longer but provides more procedural protections. See our full Illinois foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Illinois?
Illinois has 14,123 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 1,546 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.