Find Help in Vermont
94 government-validated organizations serving Vermont — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Vermont Residents Need Help
Vermont's distress metrics fall below national averages across the board, but financial hardship is individual — not statistical. The 94 organizations below serve Vermont residents dealing with mortgage trouble, debt collection, or bankruptcy regardless of statewide trends.
Vermont's State Distress Index score is 34.5 (Healthy), ranking #51 of 51 jurisdictions.
6 of Vermont's 8 HUD-approved housing counselors offer foreclosure and default counseling. 2 agencies serve in Spanish.
13 of the 40 DOJ-approved credit counselors serving Vermont offer in-person sessions, and 36 offer online counseling. For the post-filing debtor education course, 8 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 (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 (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 Vermont
Read the full Vermont foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Vermont
Bank Of America, National Association leads with 78 CFPB mortgage complaints in Vermont (out of 637 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 Bank Of America, National Association complaint profile
Vermont Resources
Frequently Asked Questions
How many verified help providers are in Vermont?
There are 94 government-validated organizations serving Vermont: 8 HUD-approved housing counselors, 40 DOJ-approved credit counselors, 45 debtor education providers, and 1 LSC-funded legal aid offices. Of the 8 counselors, 6 offer foreclosure prevention services and 2 serve in Spanish.
Are housing counselors in Vermont 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. Vermont 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 Vermont?
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. Vermont had 283 bankruptcy filings last year (#49 nationally per capita). 78% were Chapter 7 liquidations and 22% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Vermont?
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. Vermont has 1 LSC-funded legal aid office — Legal Services Vermont 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 Vermont use?
Vermont uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 7–12 months. Lenders may choose either path, so timelines vary. See our full Vermont foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Vermont?
Vermont has 637 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is BANK OF AMERICA, NATIONAL ASSOCIATION with 78 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 BANK OF AMERICA, NATIONAL ASSOCIATION's full complaint profile.