Find Help in Utah
92 government-validated organizations serving Utah — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Utah Residents Need Help
Utah's overall distress metrics fall near or below national averages, though total debt per capita of $83K stands out. The 92 organizations below serve residents regardless of where the state ranks — individual financial hardship doesn't follow state averages.
Utah's State Distress Index score is 42.5 (Normal), ranking #37 of 51 jurisdictions.
3 of Utah's 8 HUD-approved housing counselors offer foreclosure and default counseling. 2 agencies serve in Spanish, with 2 non-English languages available across all agencies. 4 offer reverse mortgage counseling.
11 of the 38 DOJ-approved credit counselors serving Utah offer in-person sessions, and 34 offer online counseling. For the post-filing debtor education course, 7 of 45 providers offer in-person classes.
Housing Counselors (8)
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 (45)
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 Utah
Read the full Utah foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Utah
Wells Fargo & Company leads with 256 CFPB mortgage complaints in Utah (out of 2,327 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
Utah Resources
Frequently Asked Questions
How many verified help providers are in Utah?
There are 92 government-validated organizations serving Utah: 8 HUD-approved housing counselors, 38 DOJ-approved credit counselors, 45 debtor education providers, and 1 LSC-funded legal aid offices. Of the 8 counselors, 3 offer foreclosure prevention services and 2 serve in Spanish.
Are housing counselors in Utah 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. Utah uses non-judicial (trustee sale) foreclosure, with a typical timeline of 15 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 Utah?
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. Utah had 7,912 bankruptcy filings last year (#8 nationally per capita). 65% were Chapter 7 liquidations and 34% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Utah?
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. Utah has 1 LSC-funded legal aid office — Utah Legal Services, 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 Utah use?
Utah uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 9–15 months. Lenders may choose either path, so timelines vary. See our full Utah foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Utah?
Utah has 2,327 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 256 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.