Find Help in Indiana
112 government-validated organizations serving Indiana — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Indiana Residents Need Help
Indiana shows mixed signals — auto loan delinquency at 6.26% and mortgage delinquency at 1.1% stand out above national averages. With $49K in debt per capita, the 112 verified organizations below can help residents navigate these financial pressures.
Indiana's State Distress Index score is 49.5 (Normal), ranking #28 of 51 jurisdictions.
15 of Indiana's 22 HUD-approved housing counselors offer foreclosure and default counseling. 3 agencies serve in Spanish. 1 offers reverse mortgage counseling.
13 of the 41 DOJ-approved credit counselors serving Indiana offer in-person sessions, and 36 offer online counseling. For the post-filing debtor education course, 9 of 48 providers offer in-person classes.
Housing Counselors (22)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
COMMUNITY ACTION PROGRAM OF EVANSVILLE & VANDERBURGH COUNTY, INC
HOUSING OPPORTUNITIES, INC dba CoACTION
Lafayette Neighborhood Housing Services, Inc DBA Homestead Resources
NEW ALBANY HOUSING AUTHORITY
NORTHWEST INDIANA REINVESTMENT ALLIANCE
Credit Counselors (41)
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 (48)
DOJ-approved providers for the required post-filing debtor education course in bankruptcy proceedings.
Six C's for Bankruptcy Programs
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 Indiana
Read the full Indiana foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Indiana
Wells Fargo & Company leads with 385 CFPB mortgage complaints in Indiana (out of 3,931 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
Indiana Resources
Frequently Asked Questions
How many verified help providers are in Indiana?
There are 112 government-validated organizations serving Indiana: 22 HUD-approved housing counselors, 41 DOJ-approved credit counselors, 48 debtor education providers, and 1 LSC-funded legal aid offices. Of the 22 counselors, 15 offer foreclosure prevention services and 3 serve in Spanish.
Are housing counselors in Indiana 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. Indiana 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 Indiana?
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. Indiana had 18,210 bankruptcy filings last year (#7 nationally per capita). 56% were Chapter 7 liquidations and 43% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Indiana?
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. Indiana has 1 LSC-funded legal aid office — Indiana Legal Services, 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 Indiana use?
Indiana uses judicial (court-supervised) foreclosure. The typical timeline from first missed payment to sale is roughly 7–10 months. Court oversight means the process takes longer but provides more procedural protections. See our full Indiana foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Indiana?
Indiana has 3,931 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 385 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.