Find Help in Minnesota
130 government-validated organizations serving Minnesota — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Minnesota Residents Need Help
Minnesota's overall distress metrics fall near or below national averages, though total debt per capita of $64K stands out. The 130 organizations below serve residents regardless of where the state ranks — individual financial hardship doesn't follow state averages.
19 of Minnesota's 32 HUD-approved housing counselors offer foreclosure and default counseling. 12 agencies serve in Spanish, with 5 non-English languages available across all agencies. 7 offer reverse mortgage counseling.
17 of the 45 DOJ-approved credit counselors serving Minnesota offer in-person sessions, and 40 offer online counseling. For the post-filing debtor education course, 9 of 49 providers offer in-person classes.
1 of Minnesota's 4 LSC-funded legal aid organizations are also HUD-approved, meaning it can provide both legal representation and housing counseling.
Housing Counselors (32)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
Credit Counselors (45)
DOJ-approved agencies providing the required pre-filing credit counseling for bankruptcy, plus general debt management plans.
Debtor Education (49)
DOJ-approved providers for the required post-filing debtor education course in bankruptcy proceedings.
Legal Aid (4)
Federally funded legal aid organizations providing free civil legal assistance to low-income individuals facing foreclosure, debt, and housing issues.
Foreclosure in Minnesota
Read the full Minnesota foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Minnesota
Wells Fargo & Company leads with 709 CFPB mortgage complaints in Minnesota (out of 4,446 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
Minnesota Resources
Frequently Asked Questions
How many verified help providers are in Minnesota?
There are 130 government-validated organizations serving Minnesota: 32 HUD-approved housing counselors, 45 DOJ-approved credit counselors, 49 debtor education providers, and 4 LSC-funded legal aid offices. Of the 32 counselors, 19 offer foreclosure prevention services and 12 serve in Spanish.
Are housing counselors in Minnesota 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. Minnesota uses non-judicial foreclosure. 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 Minnesota?
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. Minnesota had 10,260 bankruptcy filings last year (#20 nationally per capita). 77% were Chapter 7 liquidations and 23% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Minnesota?
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. Minnesota has 4 LSC-funded legal aid offices — Central Minnesota Legal Services, 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 Minnesota use?
Minnesota uses non-judicial foreclosure. Without court oversight, the process can move faster — making early action even more critical. See our full Minnesota foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Minnesota?
Minnesota has 4,446 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 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 WELLS FARGO & COMPANY's full complaint profile.