Need help right now? Call a HUD-approved counselor at 1-800-569-4287 (free, confidential).

Why Florida Residents Need Help

Florida residents carry $62K in debt per capita (national average: $63K) and face a credit card delinquency rate of 14.94% — ranking #2 nationally. Multiple distress indicators exceed national averages, making access to the 193 verified counseling and legal aid organizations here especially critical.

Florida's State Distress Index score is 62.8 (Elevated), ranking #5 of 51 jurisdictions.

69 of Florida's 90 HUD-approved housing counselors offer foreclosure and default counseling. 52 agencies serve in Spanish, with 7 non-English languages available across all agencies. 18 offer reverse mortgage counseling.

15 of the 46 DOJ-approved credit counselors serving Florida offer in-person sessions, and 40 offer online counseling. For the post-filing debtor education course, 11 of 50 providers offer in-person classes.

1 of Florida's 7 LSC-funded legal aid organizations are also HUD-approved, meaning it can provide both legal representation and housing counseling.

Housing Counselors (90)

HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.

AFFORDABLE HOMEOWNERSHIP FOUNDATION INC

Fort Myers — 5264 Clayton Ct Ste 1 239-689-4944
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +9 more
Orlando — 1819 N Semoran Blvd 407-658-1818
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +4 more
Languages: CRE, English, Spanish
Florida City — 35801 SW 186th Ave 305-245-7738
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more

CITY OF PANAMA CITY COMMUNITY DEVELOPMENT CORPORATION

Panama City — 501 Harrison Ave 850-872-7231
Default/Foreclosure CounselingFinancial/Budget CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +1 more
Tampa — 306 E Jackson St 813-274-7992
Pre-Purchase CounselingPre-Purchase Homebuyer Education Workshop

CLEARWATER NEIGHBORHOOD HOUSING SERVICES, INC.

Clearwater — 608 N Garden Ave 727-442-4155
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopPre-Purchase Counseling +2 more
Languages: English, Spanish
PENSACOLA — 302 North Barcelona St 850-595-6234-206
Resolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget WorkshopFair Housing Pre-Purchase Education Workshop +8 more
Melbourne — 3033 College Wood Dr 321-253-0053
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +3 more
Orlando — 122 E Colonial Dr 386-255-6573
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +3 more
Languages: English, Spanish
Inverness — 106 N Osceola Ave 386-255-6573
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +4 more
Languages: English, Spanish
Kissimmee — 800 N Main St 386-255-6573
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +4 more
Languages: English, Spanish
Ocala — 1610 SE 36th Ave 386-255-6573
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +4 more
Languages: English, Spanish
Daytona Beach — 1440 N Nova Rd 386-255-6573
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +4 more
Languages: English, Spanish
Palatka — 605 Saint Johns Ave 386-255-6573
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +4 more
Languages: English, Spanish
Lake Mary — 735 Primera Blvd 386-255-6573
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +4 more
Languages: English, Spanish
Tavares — 226 W Main St 386-255-6573
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +4 more
Languages: English, Spanish
Plantation — 5701 W Sunrise Blvd 800-435-2261
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +5 more
Clearwater — 13921 Icot Blvd 866-395-5769
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
Languages: English, Spanish

CONSUMER DEBT COUNSELORS, INC

Winter Park — 831 W Morse Blvd 800-820-9232
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFair Housing Pre-Purchase Education Workshop +7 more
Languages: English, Spanish
West Palm Beach — 1325 N Congress Ave 561-472-8000
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +4 more
Languages: English, Spanish
Jacksonville — 4720 Salisbury Rd 904-586-3157
Default/Foreclosure CounselingFinancial/Budget WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +2 more
Languages: English, Other, Spanish
Miami — 1223 SW 4th St 305-642-3484
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more

DEBT MANAGEMENT CREDIT COUNSELING CORP

Fort Lauderdale — 1330 SE 4th Ave Ste F 866-724-3328
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +9 more
Languages: CRE, English, Spanish
Stuart — 941 SE Central Pkwy 866-618-3328
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more
Languages: CRE, English, Spanish
Sebring — 3909 Kenilworth Blvd 863-385-2519
Financial/Budget WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education WorkshopRental Housing Counseling
Languages: English, Spanish

GATEWAY TO HOUSING

Delray Beach — 160 Congress Park Dr Ste 116 561-536-8503
Financial/Budget CounselingPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop
Orlando — 121 S Orange Ave 813-374-2251
Default/Foreclosure CounselingFinancial/Budget CounselingHomeless/Displacement CounselingPre-Purchase Counseling +2 more
Languages: English, Spanish
Eatonville — 63 E Kennedy Blvd 407-628-4832
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +7 more
Languages: CRE, English, Spanish
Orlando — 4116 Silver Star Rd 407-648-4567
Default/Foreclosure CounselingFinancial/Budget CounselingHome Improvement/Rehab CounselingPre-Purchase Counseling +1 more
Languages: English, Spanish
Fort Myers — 12751 New Brittany Blvd Ste 100 239-652-4663
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +5 more
Altamonte Springs — 251 Maitland Ave 407-696-5855-2106
Financial/Budget CounselingFinancial/Budget WorkshopFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +3 more
Languages: English, Spanish
Hollywood — 5840 Johnson St 954-964-8884-263
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopPre-Purchase Counseling +2 more
Languages: English, Spanish
Eustis — 1140 S Grove St 407-886-2451
Financial/Budget CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +1 more
Tampa — 9215 N Florida Ave Ste 104 813-932-4663
Default/Foreclosure CounselingFair Housing Pre-Purchase Education WorkshopPre-Lease/Pre-Purchase WorkshopPre-Purchase Counseling +1 more
Languages: English, Spanish
Lakeland — 825 E Main St 863-682-1025
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +7 more
Languages: English, Spanish
Naples — 3200 Bailey Ln Ste 109 239-434-2397
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopPre-Purchase Counseling +2 more
Pembroke Pines — 2400 N University Dr 954-923-5001
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFair Housing Pre-Purchase Education Workshop +6 more
PEMBROKE PINES — 2400 N University Dr Ste 200 954-923-5001-1101
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +7 more
Languages: English, Spanish
North Miami — 11900 Biscayne Blvd 786-842-3843
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFair Housing Pre-Purchase Education Workshop +6 more
Lake Worth — 8461 Lake Worth Rd 561-713-1457
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +7 more
Wilton Manors — 2101 N Andrews Ave 954-923-5001
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more
Lauderhill — 1773 N State Road 7 954-923-5001
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +7 more

HOUSING PARTNERSHIP, INC.

Riviera Beach — 2001 W Blue Heron Blvd 561-841-3500
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +3 more
Languages: CRE, English, Spanish
Orlando — 5750 Major Blvd 877-712-6040
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +2 more
Languages: CRE, English, Spanish
Jacksonville — 126 W Adams St 904-356-8371
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFair Housing Pre-Purchase Education WorkshopHomeless/Displacement Counseling +5 more
Languages: ASL, CRE, English, French, Hindi, Spanish
Fort Myers — 3677 Central Ave Ste F 239-275-5105
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopFair Housing Pre-Purchase Education Workshop +6 more
Languages: English, Spanish
Miami — 8400 NE 2nd Ave 786-230-3785
Home Improvement/Rehab CounselingNon-Delinquency Post-Purchase WorkshopPre-Lease/Pre-Purchase WorkshopPre-Purchase Counseling +2 more
Languages: CRE, English, French, Spanish
Daytona Beach — 1834 Mason Ave 386-274-4441-301
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopFair Housing Pre-Purchase Education Workshop +5 more
Languages: English, Spanish

NEIGHBORHOOD HOUSING & DEVELOPMENT CORPORATION

Gainesville — 633 NW 8th Ave 352-380-9119
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopPre-Purchase Counseling +1 more
Miami — 300 NW 12th Ave 305-751-5511
Financial/Budget CounselingFinancial/Budget WorkshopFair Housing Pre-Purchase Education WorkshopNon-Delinquency Post-Purchase Workshop +4 more
Languages: CRE, English, Spanish
Oakland Park — 2880 W Oakland Park Blvd 305-751-5511-2111
Financial/Budget CounselingFair Housing Pre-Purchase Education WorkshopNon-Delinquency Post-Purchase WorkshopPre-Lease/Pre-Purchase Workshop +2 more
Languages: English, Spanish
Miami Gardens — 610 NW 183rd St 305-652-7616
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopNon-Delinquency Post-Purchase Workshop +4 more
Languages: CRE, English, French, Spanish
LAUDERHILL — 1773 N. State Rd 7, Suite 200 954-806-8873
Default/Foreclosure CounselingHome Improvement/Rehab CounselingPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +1 more
Orlando — 5104 N Orange Blossom Trl Ste 203 888-869-0422
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopHome Improvement/Rehab CounselingNon-Delinquency Post-Purchase Workshop +2 more
Jacksonville — 3986 Boulevard Center Dr Ste 101 904-306-9272
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopNon-Delinquency Post-Purchase Workshop +3 more
Languages: English, Spanish
NORTH MIAMI — 656 NE 125th Street 305-341-0791
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFair Housing Pre-Purchase Education Workshop +3 more
Languages: English, Spanish
Orlando — 6861 W Colonial Dr 847-704-6222
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFair Housing Pre-Purchase Education Workshop +5 more
Languages: English, Spanish
TAMPA — 3824 W. Sligh Avenue 813-287-5051
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopNon-Delinquency Post-Purchase Workshop +3 more
Languages: English, Portuguese, Spanish
Pompano Beach — 600 SW 3rd St 954-586-1283
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +4 more
Languages: English, Spanish
Ocala — 1629 NW 4th St 352-369-2636
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +8 more

OPA-LOCKA COMMUNITY DEVELOPMENT CORPORATION

Opa Locka — 490 Opa Locka Blvd 305-687-3545
Financial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab CounselingNon-Delinquency Post-Purchase Workshop +3 more
ORLANDO — 5025 W COLONIAL DRIVE 863-777-9355
Financial/Budget CounselingPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop
Hialeah — 1740 W 49th St 256-962-5385
Resolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget WorkshopPre-Purchase Counseling +1 more
Languages: English, Spanish
Homestead — 777 N Krome Ave 786-326-6172
Resolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget WorkshopPre-Purchase Counseling +1 more
Languages: English, Spanish
Tampa — 2208 E Fowler Ave 813-867-9658
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopPre-Purchase Counseling +1 more
Languages: English, Spanish
Pensacola — 300 W Leonard St 850-434-5456
Default/Foreclosure CounselingFinancial/Budget CounselingHome Improvement/Rehab CounselingPre-Purchase Counseling +1 more
FORT LAUDERDALE — 1451 W Cypress Creek Road 954-546-0844-3000
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
Languages: English, Spanish
TAMPA — 4006 S. MacDill Avenue 561-491-1670
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
Languages: English, Spanish
Doral — 7875 NW 12th St 786-260-6821
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingNon-Delinquency Post-Purchase Workshop +3 more
Languages: CRE, English, Spanish
West Palm Beach — 8409 N Military Trl Ste 111 561-491-1670
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +7 more
Languages: CRE, English, Spanish

ROOTED COMMUNITIES, INC.

Sarasota — 8466 Lockwood Ridge Rd 941-809-2231
Financial/Budget CounselingPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop

SOLITA'S HOUSE INC

Tampa — 1907 E Hillsborough Ave 813-425-4847
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +4 more
Languages: English, Spanish
St Augustine — 200 San Sebastian Vw 904-209-6062
Financial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +2 more
St Petersburg — 1600 Dr M L King St N 727-821-6897
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
Sarasota — 6428 Parkland Dr 941-827-0118
Financial/Budget CounselingFinancial/Budget WorkshopHomeless/Displacement CounselingPre-Purchase Counseling +2 more
Languages: English, Spanish
Tallahassee — 224 Office Plaza Dr 850-222-6609
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +3 more
Tallahassee — 923 Old Bainbridge Rd 850-222-6111
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +9 more
Languages: English, Spanish

TAMPA BAY CDC dba SUNCOAST HOUSING CONNECTIONS

Clearwater — 2139 NE Coachman Rd 727-442-7075
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop

TRINITY EMPOWERMENT CONSORTIUM, INC.

Miami — 11845 SW 216th St 305-248-4553
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopFair Housing Pre-Purchase Education Workshop +5 more
Gainesville — 1024 McCarty Hall 352-392-1761
Financial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab CounselingNon-Delinquency Post-Purchase Workshop +5 more
LECANTO — 3650 W. Sovereign Path, Ste. 1 352-527-5700
Financial/Budget CounselingPre-Purchase Homebuyer Education Workshop
Bonifay — 1169 E Highway 90 850-547-1108
Financial/Budget CounselingFinancial/Budget WorkshopFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +5 more
Kissimmee — 1921 Kissimmee Valley Ln 321-697-3000
Default/Foreclosure CounselingFinancial/Budget CounselingHome Improvement/Rehab CounselingNon-Delinquency Post-Purchase Workshop +3 more
Languages: English, Spanish
DELAND — 3100 East New York Avenue 386-822-5778
Pre-Purchase Homebuyer Education Workshop
Languages: English, Spanish
Chipley — 1424 Jackson Ave 850-638-6265
Financial/Budget CounselingFinancial/Budget WorkshopFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +5 more
Fort Lauderdale — 560 NW 27th Ave 954-625-2501
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
West Palm Beach — 1700 N Australian Ave 561-833-1461
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +7 more

WE HELP COMMUNITIES TO DEVELOP CORPORATION

BELLE GLADE — 349 SE 3rd Street 561-992-5854
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +3 more
Languages: CRE, English, French, Spanish
Jacksonville — 5310 Lenox Ave Ste 4 904-265-4736
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more
West Palm Beach — 3700 Georgia Ave 561-655-8530
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +7 more

Credit Counselors (46)

DOJ-approved agencies providing the required pre-filing credit counseling for bankruptcy, plus general debt management plans.

Internet
Languages: Spanish
InternetTelephone
Languages: Spanish
Ste 400 Miami, FL (888)412-2123
InternetTelephone
Languages: Spanish
In PersonInternetTelephone
Languages: Spanish
InternetTelephone
Languages: Spanish
InternetTelephone
Languages: Spanish
Suite 250 Pittsburgh, PA 888-511-2227
In PersonInternetTelephone

Allen Credit and Debt Counseling Agency

In PersonInternetTelephone
Languages: Spanish

American Consumer Credit Counseling, Inc.

In PersonInternetTelephone
Languages: Spanish
Suite 1 Rapid City, SD 605-348-1608
In PersonInternetTelephone
Languages: Spanish
In PersonInternetTelephone
Internet
Languages: Russian, Spanish
Suite UM-5 Santurce, PR 787-722-8835
In PersonInternetTelephone
Languages: Spanish
InternetTelephone
Languages: American Sign Language, Spanish
In PersonInternetTelephone
Languages: Korean, Spanish, Thai
In PersonInternetTelephone
Languages: Spanish
InternetTelephone
Languages: Spanish
InternetTelephone
Languages: American Sign Language, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Creole, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
Internet
Languages: Spanish
InternetTelephone
Languages: Spanish
Telephone
Languages: Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Creole, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
Internet
Languages: Spanish
Telephone
Languages: American Sign Language, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
In PersonInternetTelephone
Languages: Arabic
In PersonTelephone
Languages: Spanish
Telephone
Languages: Spanish

Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org

InternetTelephone
Languages: Spanish
#1501 MINNEAPOLIS, MN 1-800-780-5965
InternetTelephone
Languages: Spanish
Suite B 155 Phoenix, AZ 623-266-6100
Internet
Languages: Spanish
In PersonTelephone
Languages: Spanish
InternetTelephone
Languages: Spanish

Debtor Education (50)

DOJ-approved providers for the required post-filing debtor education course in bankruptcy proceedings.

Internet
Languages: Spanish
Internet
Languages: Spanish
InternetTelephone
Languages: Spanish
Ste 400 Miami, FL (866)412-7247
InternetTelephone
Languages: Spanish
In PersonInternetTelephone
Languages: Spanish
InternetTelephone
InternetTelephone
Languages: Spanish
Suite 250 Pittsburgh, PA 888-511-2227
InternetTelephone
Languages: Spanish

Allen Credit and Debt Counseling Agency

In PersonInternetTelephone
Languages: Spanish

American Consumer Credit Counseling, Inc.

Internet
Languages: Spanish
In PersonInternetTelephone
Languages: Korean, Spanish, Thai
Internet
Languages: Spanish
Internet
Languages: Spanish
Suite 1 Rapid City, SD 605-348-1608
In PersonInternetTelephone
Languages: Spanish
Suite UM-5 Santurce, PR 787-722-8835
In PersonInternetTelephone
Languages: Spanish
In PersonInternetTelephone
Languages: American Sign Language, Spanish
InternetTelephone
Languages: American Sign Language, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Creole, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
Internet
Languages: Spanish
InternetTelephone
Languages: Spanish
Telephone
Languages: Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
In PersonInternetTelephone
Languages: Arabic
Suite 3400 Chicago, IL 800-725-4734
Internet
In PersonInternetTelephone
Languages: Spanish
InternetTelephone
Languages: Spanish

Second Bankruptcy Course, LLC

Ste. 100 Irvine, CA 800-554-1147
InternetTelephone
Languages: Spanish

Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org

Internet
Languages: Spanish
#1501 MINNEAPOLIS, MN 1-800-780-5965
InternetTelephone
Languages: Spanish
Suite B 155 Phoenix, AZ 623-266-6100
Internet
Languages: Spanish
In PersonInternetTelephone
Languages: Spanish
Internet
Languages: Spanish

Foreclosure in Florida

Process Judicial (court-supervised)
Typical Timeline 180–330 days
Homestead Exemption Unlimited value.

Read the full Florida foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.

Most-Complained-About Mortgage Servicer in Florida

Bank Of America, National Association leads with 5,540 CFPB mortgage complaints in Florida (out of 41,951 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

Disclaimer: American Default does not endorse, rate, or rank any provider. All listings are sourced from federal government databases (HUD, DOJ US Trustee Program, Legal Services Corporation). Inclusion does not constitute a recommendation. Always verify credentials and suitability for your situation independently.

Frequently Asked Questions

How many verified help providers are in Florida?

There are 193 government-validated organizations serving Florida: 90 HUD-approved housing counselors, 46 DOJ-approved credit counselors, 50 debtor education providers, and 7 LSC-funded legal aid offices. Of the 90 counselors, 69 offer foreclosure prevention services and 52 serve in Spanish.

Are housing counselors in Florida 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. Florida uses judicial (court-supervised) foreclosure, with a typical timeline of 11 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 Florida?

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. Florida had 44,661 bankruptcy filings last year (#17 nationally per capita). 70% were Chapter 7 liquidations and 28% were Chapter 13 repayment plans.

How do I qualify for free legal aid in Florida?

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. Florida has 7 LSC-funded legal aid offices — Bay Area 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 Florida use?

Florida uses judicial (court-supervised) foreclosure. The typical timeline from first missed payment to sale is roughly 6–11 months. Court oversight means the process takes longer but provides more procedural protections. See our full Florida foreclosure law guide for details on protections, redemption rights, and homestead exemptions.

What are the top mortgage complaints in Florida?

Florida has 41,951 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is BANK OF AMERICA, NATIONAL ASSOCIATION with 5,540 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.

Want a professional to review your situation?

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If you're struggling with debt or facing foreclosure, free help is available. Find help near you · Browse the Glossary · The U.S. Department of Housing and Urban Development provides HUD-approved housing counselors at no cost. You can also call 1-800-569-4287.