Find Help in Kansas
89 government-validated organizations serving Kansas — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Kansas Residents Need Help
Kansas's distress metrics fall below national averages across the board, but financial hardship is individual — not statistical. The 89 organizations below serve Kansas residents dealing with mortgage trouble, debt collection, or bankruptcy regardless of statewide trends.
Kansas's State Distress Index score is 43.9 (Normal), ranking #36 of 51 jurisdictions.
3 of Kansas's 3 HUD-approved housing counselors offer foreclosure and default counseling. 3 agencies serve in Spanish, with 2 non-English languages available across all agencies.
13 of the 40 DOJ-approved credit counselors serving Kansas offer in-person sessions, and 36 offer online counseling. For the post-filing debtor education course, 8 of 45 providers offer in-person classes.
Housing Counselors (3)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
Credit Counselors (40)
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 Kansas
Read the full Kansas foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Kansas
Wells Fargo & Company leads with 203 CFPB mortgage complaints in Kansas (out of 1,489 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
Kansas Resources
Frequently Asked Questions
How many verified help providers are in Kansas?
There are 89 government-validated organizations serving Kansas: 3 HUD-approved housing counselors, 40 DOJ-approved credit counselors, 45 debtor education providers, and 1 LSC-funded legal aid offices. Of the 3 counselors, 3 offer foreclosure prevention services and 3 serve in Spanish.
Are housing counselors in Kansas 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. Kansas uses non-judicial (trustee sale) foreclosure, with a typical timeline of 9 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 Kansas?
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. Kansas had 4,213 bankruptcy filings last year (#26 nationally per capita). 54% were Chapter 7 liquidations and 45% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Kansas?
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. Kansas has 1 LSC-funded legal aid office — Kansas 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 Kansas use?
Kansas uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 6–9 months. Lenders may choose either path, so timelines vary. See our full Kansas foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Kansas?
Kansas has 1,489 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 203 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.