Find Help in Louisiana
120 government-validated organizations serving Louisiana — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Louisiana Residents Need Help
Louisiana residents carry $48K in debt per capita (national average: $63K) and face a credit card delinquency rate of 14.24% — ranking #3 nationally. Multiple distress indicators exceed national averages, making access to the 120 verified counseling and legal aid organizations here especially critical.
Louisiana's State Distress Index score is 64.5 (Elevated), ranking #4 of 51 jurisdictions.
15 of Louisiana's 27 HUD-approved housing counselors offer foreclosure and default counseling. 5 agencies serve in Spanish, with 3 non-English languages available across all agencies.
13 of the 43 DOJ-approved credit counselors serving Louisiana offer in-person sessions, and 38 offer online counseling. For the post-filing debtor education course, 10 of 48 providers offer in-person classes.
Housing Counselors (27)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
CALCASIEU PARISH HOUSING COUNSELING AGENCY
CATHOLIC CHARITIES OF NORTH LOUISIANA
MID CITY REDEVELOPMENT ALLIANCE
MULTI-CULTURAL DEVELOPMENT CENTER HOUSING COUNSELING AGENCY (MCDC)
URBAN RESTORATION ENHANCEMENT CORPORATION
Credit Counselors (43)
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.
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 Louisiana
Read the full Louisiana foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Louisiana
Wells Fargo & Company leads with 403 CFPB mortgage complaints in Louisiana (out of 4,026 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
Louisiana Resources
Frequently Asked Questions
How many verified help providers are in Louisiana?
There are 120 government-validated organizations serving Louisiana: 27 HUD-approved housing counselors, 43 DOJ-approved credit counselors, 48 debtor education providers, and 2 LSC-funded legal aid offices. Of the 27 counselors, 15 offer foreclosure prevention services and 5 serve in Spanish.
Are housing counselors in Louisiana 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. Louisiana uses non-judicial (trustee sale) foreclosure, with a typical timeline of 8 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 Louisiana?
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. Louisiana had 10,231 bankruptcy filings last year (#11 nationally per capita). 24% were Chapter 7 liquidations and 73% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Louisiana?
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. Louisiana has 2 LSC-funded legal aid offices — Acadiana Legal Service Corporation 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 Louisiana use?
Louisiana uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 2–8 months. Lenders may choose either path, so timelines vary. See our full Louisiana foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Louisiana?
Louisiana has 4,026 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 403 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.