Find Help in New Mexico
94 government-validated organizations serving New Mexico — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why New Mexico Residents Need Help
New Mexico shows mixed signals — auto loan delinquency at 6.07% and mortgage delinquency at 1.01% stand out above national averages. With $49K in debt per capita, the 94 verified organizations below can help residents navigate these financial pressures.
New Mexico's State Distress Index score is 55.4 (Elevated), ranking #17 of 51 jurisdictions.
2 of New Mexico's 5 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 40 DOJ-approved credit counselors serving New Mexico offer in-person sessions, and 36 offer online counseling. For the post-filing debtor education course, 8 of 47 providers offer in-person classes.
Housing Counselors (5)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
HOMEWISE, INC.
HOMEWISE, INC.
SOUTHWEST NEIGHBORHOOD HOUSING SERVICES, INC.
UNITED SOUTH BROADWAY CORPORATION
Credit Counselors (40)
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 New Mexico
Read the full New Mexico foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in New Mexico
Wells Fargo & Company leads with 185 CFPB mortgage complaints in New Mexico (out of 1,543 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
New Mexico Resources
Frequently Asked Questions
How many verified help providers are in New Mexico?
There are 94 government-validated organizations serving New Mexico: 5 HUD-approved housing counselors, 40 DOJ-approved credit counselors, 47 debtor education providers, and 2 LSC-funded legal aid offices. Of the 5 counselors, 2 offer foreclosure prevention services and 4 serve in Spanish.
Are housing counselors in New Mexico 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 Mexico 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 Mexico?
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 Mexico had 1,660 bankruptcy filings last year (#44 nationally per capita). 86% were Chapter 7 liquidations and 13% were Chapter 13 repayment plans.
How do I qualify for free legal aid in New Mexico?
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 Mexico has 2 LSC-funded legal aid offices — DNA-Peoples 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 New Mexico use?
New Mexico 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 Mexico foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in New Mexico?
New Mexico has 1,543 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 185 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.