Find Help in Montana
93 government-validated organizations serving Montana — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Montana Residents Need Help
Montana's distress metrics fall below national averages across the board, but financial hardship is individual — not statistical. The 93 organizations below serve Montana residents dealing with mortgage trouble, debt collection, or bankruptcy regardless of statewide trends.
Montana's State Distress Index score is 37 (Normal), ranking #48 of 51 jurisdictions.
6 of Montana's 11 HUD-approved housing counselors offer foreclosure and default counseling. 1 agency serves in Spanish, with 24 non-English languages available across all agencies. 1 offers reverse mortgage counseling.
11 of the 37 DOJ-approved credit counselors serving Montana offer in-person sessions, and 33 offer online counseling. For the post-filing debtor education course, 7 of 44 providers offer in-person classes.
1 of Montana's 1 LSC-funded legal aid organization is also HUD-approved, meaning it can provide both legal representation and housing counseling.
Housing Counselors (11)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
DISTRICT 7 HUMAN RESOURCES DEVELOPMENT COUNCIL
HEADWATERS RC&D AREA, INC.
HOMEWORD, INC.
HUMAN RESOURCE DEVELOPMENT COUNCIL OF DISTRICT IX, INC.
NEIGHBORWORKS GREAT FALLS
RURAL DYNAMICS, INC. DBA CCCS OF MT
Credit Counselors (37)
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 (44)
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.
Montana Legal Services Association
Also HUD-ApprovedForeclosure in Montana
Read the full Montana foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Montana
Wells Fargo & Company leads with 95 CFPB mortgage complaints in Montana (out of 607 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
Montana Resources
Frequently Asked Questions
How many verified help providers are in Montana?
There are 93 government-validated organizations serving Montana: 11 HUD-approved housing counselors, 37 DOJ-approved credit counselors, 44 debtor education providers, and 1 LSC-funded legal aid offices. Of the 11 counselors, 6 offer foreclosure prevention services and 1 serve in Spanish.
Are housing counselors in Montana 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. Montana uses non-judicial (trustee sale) foreclosure, with a typical timeline of 18 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 Montana?
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. Montana had 830 bankruptcy filings last year (#45 nationally per capita). 81% were Chapter 7 liquidations and 16% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Montana?
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. Montana has 1 LSC-funded legal aid office — Montana Legal Services Association 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 Montana use?
Montana uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 12–18 months. Lenders may choose either path, so timelines vary. See our full Montana foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Montana?
Montana has 607 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 95 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.