Find Help in New Hampshire
88 government-validated organizations serving New Hampshire — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why New Hampshire Residents Need Help
New Hampshire's overall distress metrics fall near or below national averages, though total debt per capita of $66K stands out. The 88 organizations below serve residents regardless of where the state ranks — individual financial hardship doesn't follow state averages.
New Hampshire's State Distress Index score is 38.2 (Normal), ranking #46 of 51 jurisdictions.
2 of New Hampshire's 5 HUD-approved housing counselors offer foreclosure and default counseling. 1 agency serves in Spanish, with 2 non-English languages available across all agencies.
12 of the 38 DOJ-approved credit counselors serving New Hampshire 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 (5)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
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 New Hampshire
Read the full New Hampshire foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in New Hampshire
Bank Of America, National Association leads with 427 CFPB mortgage complaints in New Hampshire (out of 2,151 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
New Hampshire Resources
Frequently Asked Questions
How many verified help providers are in New Hampshire?
There are 88 government-validated organizations serving New Hampshire: 5 HUD-approved housing counselors, 38 DOJ-approved credit counselors, 44 debtor education providers, and 1 LSC-funded legal aid offices. Of the 5 counselors, 2 offer foreclosure prevention services and 1 serve in Spanish.
Are housing counselors in New Hampshire 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. New Hampshire uses non-judicial (trustee sale) foreclosure, with a typical timeline of 12 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 New Hampshire?
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. New Hampshire had 935 bankruptcy filings last year (#48 nationally per capita). 70% were Chapter 7 liquidations and 28% were Chapter 13 repayment plans.
How do I qualify for free legal aid in New Hampshire?
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. New Hampshire has 1 LSC-funded legal aid office — 603 Legal Aid 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 New Hampshire use?
New Hampshire uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 6–12 months. Lenders may choose either path, so timelines vary. See our full New Hampshire foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in New Hampshire?
New Hampshire has 2,151 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is BANK OF AMERICA, NATIONAL ASSOCIATION with 427 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.