Find Help in Mississippi
105 government-validated organizations serving Mississippi — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Mississippi Residents Need Help
Mississippi residents carry $41K in debt per capita (national average: $63K) and face a credit card delinquency rate of 13.36% — ranking #9 nationally. Multiple distress indicators exceed national averages, making access to the 105 verified counseling and legal aid organizations here especially critical.
Mississippi's State Distress Index score is 62.8 (Elevated), ranking #6 of 51 jurisdictions.
13 of Mississippi's 15 HUD-approved housing counselors offer foreclosure and default counseling. 4 agencies serve in Spanish, with 2 non-English languages available across all agencies.
12 of the 41 DOJ-approved credit counselors serving Mississippi offer in-person sessions, and 36 offer online counseling. For the post-filing debtor education course, 7 of 47 providers offer in-person classes.
1 of Mississippi's 2 LSC-funded legal aid organizations are also HUD-approved, meaning it can provide both legal representation and housing counseling.
Housing Counselors (15)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
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 (47)
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 Mississippi
Read the full Mississippi foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Mississippi
Ocwen Financial Corporation leads with 159 CFPB mortgage complaints in Mississippi (out of 1,604 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 Ocwen Financial Corporation complaint profile
Mississippi Resources
Frequently Asked Questions
How many verified help providers are in Mississippi?
There are 105 government-validated organizations serving Mississippi: 15 HUD-approved housing counselors, 41 DOJ-approved credit counselors, 47 debtor education providers, and 2 LSC-funded legal aid offices. Of the 15 counselors, 13 offer foreclosure prevention services and 4 serve in Spanish.
Are housing counselors in Mississippi 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. Mississippi uses non-judicial (trustee sale) foreclosure, with a typical timeline of 3 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 Mississippi?
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. Mississippi had 9,774 bankruptcy filings last year (#2 nationally per capita). 46% were Chapter 7 liquidations and 54% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Mississippi?
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. Mississippi has 2 LSC-funded legal aid offices — Mississippi Center for Legal Services 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 Mississippi use?
Mississippi uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 2–3 months. Lenders may choose either path, so timelines vary. See our full Mississippi foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Mississippi?
Mississippi has 1,604 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is Ocwen Financial Corporation with 159 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 Ocwen Financial Corporation's full complaint profile.