Find Help in Virginia
138 government-validated organizations serving Virginia — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why Virginia Residents Need Help
Virginia's overall distress metrics fall near or below national averages, though total debt per capita of $77K stands out. The 138 organizations below serve residents regardless of where the state ranks — individual financial hardship doesn't follow state averages.
Virginia's State Distress Index score is 46 (Normal), ranking #32 of 51 jurisdictions.
38 of Virginia's 46 HUD-approved housing counselors offer foreclosure and default counseling. 9 agencies serve in Spanish, with 10 non-English languages available across all agencies. 5 offer reverse mortgage counseling.
13 of the 41 DOJ-approved credit counselors serving Virginia offer in-person sessions, and 37 offer online counseling. For the post-filing debtor education course, 8 of 45 providers offer in-person classes.
Housing Counselors (46)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
CENTRO DE APOYO FAMILIAR (CAF)-VA
HAMPTON REDEVELOPMENT AND HOUSING AUTHORITY
HOMENET (Norfolk RHA)
PRINCE WILLIAM COUNTY VIRGINIA COOPERATIVE EXTENSION
PRINCE WILLIAM COUNTY VIRGINIA COOPERATIVE EXTENSION
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 (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 (6)
Federally funded legal aid organizations providing free civil legal assistance to low-income individuals facing foreclosure, debt, and housing issues.
Foreclosure in Virginia
Read the full Virginia foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in Virginia
Wells Fargo & Company leads with 1,547 CFPB mortgage complaints in Virginia (out of 12,559 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
Virginia Resources
Frequently Asked Questions
How many verified help providers are in Virginia?
There are 138 government-validated organizations serving Virginia: 46 HUD-approved housing counselors, 41 DOJ-approved credit counselors, 45 debtor education providers, and 6 LSC-funded legal aid offices. Of the 46 counselors, 38 offer foreclosure prevention services and 9 serve in Spanish.
Are housing counselors in Virginia 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. Virginia uses non-judicial (trustee sale) foreclosure, with a typical timeline of 3 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 Virginia?
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. Virginia had 15,959 bankruptcy filings last year (#19 nationally per capita). 60% were Chapter 7 liquidations and 40% were Chapter 13 repayment plans.
How do I qualify for free legal aid in Virginia?
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. Virginia has 6 LSC-funded legal aid offices — Blue Ridge Legal Services, Inc. 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 Virginia use?
Virginia uses non-judicial (trustee sale) foreclosure. The typical timeline from first missed payment to sale is roughly 2–3 months. Without court oversight, the process moves faster — making early action even more critical. See our full Virginia foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in Virginia?
Virginia has 12,559 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is WELLS FARGO & COMPANY with 1,547 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.