Find Help in Nevada
91 government-validated organizations serving Nevada — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Nevada Residents Need Help
Nevada residents carry $71K in debt per capita (national average: $63K) and face a credit card delinquency rate of 16.28% — ranking #1 nationally. Multiple distress indicators exceed national averages, making access to the 91 verified counseling and legal aid organizations here especially critical.
Nevada's State Distress Index score is 66 (Serious Stress), ranking #2 of 51 jurisdictions.
7 of Nevada's 8 HUD-approved housing counselors offer foreclosure and default counseling. 5 agencies serve in Spanish, with 2 non-English languages available across all agencies. 2 offer reverse mortgage counseling.
11 of the 38 DOJ-approved credit counselors serving Nevada offer in-person sessions, and 34 offer online counseling. For the post-filing debtor education course, 7 of 44 providers offer in-person classes.
Housing Counselors (8)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
CHICANOS POR LA CAUSA INC.
NEVADA PARTNERS, INC.
Credit Counselors (38)
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.
Foreclosure in Nevada
Read the full Nevada foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Nevada
Bank Of America, National Association leads with 657 CFPB mortgage complaints in Nevada (out of 4,528 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 Bank Of America, National Association complaint profile
Nevada Resources
Frequently Asked Questions
How many verified help providers are in Nevada?
There are 91 government-validated organizations serving Nevada: 8 HUD-approved housing counselors, 38 DOJ-approved credit counselors, 44 debtor education providers, and 1 LSC-funded legal aid offices. Of the 8 counselors, 7 offer foreclosure prevention services and 5 serve in Spanish.
Are housing counselors in Nevada 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. Nevada uses non-judicial (trustee sale) foreclosure, with a typical timeline of 6 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 Nevada?
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. Nevada had 9,408 bankruptcy filings last year (#4 nationally per capita). 83% were Chapter 7 liquidations and 16% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Nevada?
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. Nevada has 1 LSC-funded legal aid office — Nevada 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 Nevada use?
Nevada uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 4–6 months. Without court oversight, the process moves faster — making early action even more critical. See our full Nevada foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Nevada?
Nevada has 4,528 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is BANK OF AMERICA, NATIONAL ASSOCIATION with 657 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 BANK OF AMERICA, NATIONAL ASSOCIATION's full complaint profile.