Find Help in Texas
155 government-validated organizations serving Texas — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Texas Residents Need Help
Texas residents carry $60K in debt per capita (national average: $63K) and face a credit card delinquency rate of 14.19% — ranking #4 nationally. Multiple distress indicators exceed national averages, making access to the 155 verified counseling and legal aid organizations here especially critical.
Texas's State Distress Index score is 56.7 (Elevated), ranking #13 of 51 jurisdictions.
34 of Texas's 50 HUD-approved housing counselors offer foreclosure and default counseling. 32 agencies serve in Spanish, with 5 non-English languages available across all agencies. 8 offer reverse mortgage counseling.
14 of the 43 DOJ-approved credit counselors serving Texas offer in-person sessions, and 39 offer online counseling. For the post-filing debtor education course, 13 of 59 providers offer in-person classes.
Housing Counselors (50)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
BCL OF TEXAS (BUSINESS AND COMMUNITY LENDERS)
CATHOLIC CHARITIES OF SOUTHEAST TEXAS
cdcb-come dream.come build.
CITY OF SAN ANTONIO/DEPT OF NEIGHBORHOOD AND HOUSING SERVICES (DNHS)
TENDER LOVING CARE CENTER FOR CHILDREN, DBA LEGACY CDC
Credit Counselors (43)
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 (59)
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 (3)
Federally funded legal aid organizations providing free civil legal assistance to low-income individuals facing foreclosure, debt, and housing issues.
Foreclosure in Texas
Read the full Texas foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Texas
Wells Fargo & Company leads with 2,755 CFPB mortgage complaints in Texas (out of 23,730 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
Texas Resources
Frequently Asked Questions
How many verified help providers are in Texas?
There are 155 government-validated organizations serving Texas: 50 HUD-approved housing counselors, 43 DOJ-approved credit counselors, 59 debtor education providers, and 3 LSC-funded legal aid offices. Of the 50 counselors, 34 offer foreclosure prevention services and 32 serve in Spanish.
Are housing counselors in Texas 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. Texas uses both judicial and non-judicial 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 Texas?
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. Texas had 38,066 bankruptcy filings last year (#29 nationally per capita). 59% were Chapter 7 liquidations and 36% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Texas?
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. Texas has 3 LSC-funded legal aid offices — Legal Aid of NorthWest Texas 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 Texas use?
Texas uses both judicial and non-judicial foreclosure. The typical timeline from first missed payment to sale is roughly 1–6 months. Lenders may choose either path, so timelines vary. See our full Texas foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Texas?
Texas has 23,730 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 2,755 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.