Find Help in Oklahoma
96 government-validated organizations serving Oklahoma — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Oklahoma Residents Need Help
Oklahoma residents carry $43K in debt per capita (national average: $63K) and face a credit card delinquency rate of 13.28% — ranking #11 nationally. Multiple distress indicators exceed national averages, making access to the 96 verified counseling and legal aid organizations here especially critical.
Oklahoma's State Distress Index score is 57.9 (Elevated), ranking #10 of 51 jurisdictions.
4 of Oklahoma's 6 HUD-approved housing counselors offer foreclosure and default counseling. 2 agencies serve in Spanish. 1 offers reverse mortgage counseling.
13 of the 41 DOJ-approved credit counselors serving Oklahoma offer in-person sessions, and 36 offer online counseling. For the post-filing debtor education course, 9 of 48 providers offer in-person classes.
Housing Counselors (6)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
HOUSING AUTHORITY OF THE CHOCTAW NATION OF OKLAHOMA
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 (48)
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 Oklahoma
Read the full Oklahoma foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Oklahoma
Wells Fargo & Company leads with 211 CFPB mortgage complaints in Oklahoma (out of 2,312 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
Oklahoma Resources
Frequently Asked Questions
How many verified help providers are in Oklahoma?
There are 96 government-validated organizations serving Oklahoma: 6 HUD-approved housing counselors, 41 DOJ-approved credit counselors, 48 debtor education providers, and 1 LSC-funded legal aid offices. Of the 6 counselors, 4 offer foreclosure prevention services and 2 serve in Spanish.
Are housing counselors in Oklahoma 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. Oklahoma uses non-judicial (trustee sale) foreclosure, with a typical timeline of 7 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 Oklahoma?
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. Oklahoma had 7,453 bankruptcy filings last year (#18 nationally per capita). 82% were Chapter 7 liquidations and 17% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Oklahoma?
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. Oklahoma has 1 LSC-funded legal aid office — Legal Aid Services of Oklahoma, 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 Oklahoma use?
Oklahoma uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 4–7 months. Lenders may choose either path, so timelines vary. See our full Oklahoma foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Oklahoma?
Oklahoma has 2,312 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 211 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.