Find Help in Oregon
102 government-validated organizations serving Oregon — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Oregon Residents Need Help
Oregon's overall distress metrics fall near or below national averages, though total debt per capita of $70K stands out. The 102 organizations below serve residents regardless of where the state ranks — individual financial hardship doesn't follow state averages.
Oregon's State Distress Index score is 51.5 (Elevated), ranking #25 of 51 jurisdictions.
18 of Oregon's 23 HUD-approved housing counselors offer foreclosure and default counseling. 16 agencies serve in Spanish, with 7 non-English languages available across all agencies. 6 offer reverse mortgage counseling.
11 of the 36 DOJ-approved credit counselors serving Oregon offer in-person sessions, and 33 offer online counseling. For the post-filing debtor education course, 6 of 42 providers offer in-person classes.
Housing Counselors (23)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
Credit Counselors (36)
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 (42)
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 Oregon
Read the full Oregon foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Oregon
Wells Fargo & Company leads with 612 CFPB mortgage complaints in Oregon (out of 4,440 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
Oregon Resources
Frequently Asked Questions
How many verified help providers are in Oregon?
There are 102 government-validated organizations serving Oregon: 23 HUD-approved housing counselors, 36 DOJ-approved credit counselors, 42 debtor education providers, and 1 LSC-funded legal aid offices. Of the 23 counselors, 18 offer foreclosure prevention services and 16 serve in Spanish.
Are housing counselors in Oregon 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. Oregon 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 Oregon?
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. Oregon had 8,202 bankruptcy filings last year (#16 nationally per capita). 78% were Chapter 7 liquidations and 22% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Oregon?
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. Oregon has 1 LSC-funded legal aid office — Legal Aid Services of Oregon 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 Oregon use?
Oregon uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 5–7 months. Without court oversight, the process moves faster — making early action even more critical. See our full Oregon foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Oregon?
Oregon has 4,440 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 612 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.