Free credit and debt counseling agencies in Florida
Non-profit credit counseling agencies in Florida provide a number of services, with low-income clients often able to get free services. The main goal is to help people reduce or get out of debt (consolidation, DMP plans, etc.) as well as help households get back on track financially. Find details on free credit counseling and debt relief programs in Florida below.
Some of the programs are available at no cost, and other services may have a minimal fee. In general, clients can meet with a credit counselor for free confidential advice. The specific programs of each organization will vary, but in general they offer budgeting and education so consumers can get back on track over the long term. Many of the Florida credit counseling agencies have programs such as debt consolidation, they offer resources to help prevent a foreclosure, and resources that can help individuals pay off personal loans or they arrange assistance with reducing car title loans. They also offer bankruptcy education services.
Work one on one with a certified, well trained and highly professional counselor to walk through all the different options that individuals have to get out of debt. Both phone and in-office consultations are offered in Florida. There are also local credit counseling programs for the major cities in Florida.
Hillsborough County and Tampa
Miami - Dade County
Orlando area including surrounding counties
Palm Beach County
Or continue to scroll down the page for statewide options in Florida. While some of the non-profits that offer debt and credit counseling / repair services are located out of state, online, phone, and email support is offered. The federal government also has certified counselors too listed here. https://www.justice.gov/ust/credit-counseling-by-state/Florida The specialists can enroll clients into the program that is most relevant for their situation.
List of statewide debt and credit counselors in Florida
1stopbk.com Inc.
The local FL office is at 362 Sweetbriar Lane, Lakeland, FL 33813. Call 888-988-3410
The main service is around helping people in Florida that are considering, or close to bankruptcy. Free or income based online courses, referrals to bankruptcy specialists and tips on repair credit in the future (among other services) are provided.
Lighthouse Finance Solutions - Advisory Credit Management, Inc.
Address - 5769 West Sunrise Blvd., Plantation, Florida 33313. Phone - (844) 326-3396
123 Credit Counselors, Inc.
Phone number - 305-269-9201
Consumer Credit and Budget Counseling, Inc.
Toll free number - 609-390-9652
While the headquarters is outside of the state, credit counselors are available locally. Everything from details on paying off credit cards or student loans to medical billing advocacy is arranged. Senior citizens seeking to pay off or consolidate medical debts are often clients. They also offer financial literacy workshops and money management tips.
American Consumer Credit Counseling, Inc.
50 N Laura St Suite 2500, Jacksonville, FL 32202. Call (877) 440-1773
Credit and housing counselors can provide a number financial management programs to clients. Get help with paying off debts and loans, or call/stop by for free foreclosure prevention programs from the HUD certified non-profit. Also learn the pros and cons of filing bankruptcy, how to repair FICO scores and much more.
Florida Consumer and Consumer Credit Counseling Service of Puerto Rico, Inc.
Call 800-717-2227 or 787-722-8835
They cover the entire state of Florida and Puerto Rice. The HUD and NFCC certified non-profit has various Spanish speaking counselors and an office in PR as well as central Florida. They help student loan borrowers, provide information on starting to build credit scores in the US, debt consolidation loans and more.
Solid Ground Help
4000 Hollywood Blvd., Hollywood, Florida, 33021. Call (801) 384-5550
Credit Card Management Services, Inc. - Debthelper.com
This location covers all of Florida from 1325 N Congress Ave Ste 201, West Palm Beach, FL 33401. Call (561) 472-8000 or 800-920-2262
Families, immigrants, seniors, and struggling families are all clients of this Florida non-profit debt counseling agency. Phone and online consults are arranged.
Debt Management Credit Counseling Corp. (DMCC)
3310 N. Federal Highway, Lighthouse Point, FL 33064. Dial 866-724-3328 or 954-418-1466
One the specialties of this firm is on enrolling their Florida clients into debt management plans, or a DMP. These can help consumers reduce their interest rates on credit card accounts, reduce any late fees and it may even consolidate some of the financial obligations. Other services include advice on filing for bankruptcy, car loan modifications and other money management tips are arranged.
GreenPath Financial Wellness
The non-profit in Florida formerly known as Consumer Credit Counseling Service of Mid-Florida. Call 888-436-0754
Work with this national non-profit, government approved HUD counseling agency. They coordinate credit card debt settlement, DMP and consolidation programs. Other services offered, some of which are free or low cost, can help individuals pay get back on track with their mortgage, start an investment account and improve their overall financial condition.
Consumer Credit Counseling Service of South Florida
5400 S University Dr, Fort Lauderdale, FL 33328. Call (800) 355-2227
Certified credit and debt counselors help borrowers - no matter their income or challenge. Enroll into low-cost debt management plans, get help with auto loans or predatory lending, and more. There are also programs that help veterans in Florida get out of debt / pay off loans.
Apprisen
Speak to a counselor by dialing 800-355-2227 for information on debt consolidation and credit services.
A national non-profit with free or income based support. Counselors from this office specialize in preventing foreclosures in Florida. While the specialist deals with your housing issues, also get help in catching up on other bills, such as credit card and medical debts. Debt management plans can be negotiated with your creditors.
InCharge Debt Solutions
5750 Major Blvd #300, Orlando, FL 32819. Call (800) 565-8953
Assistance from this non-profit is provided across Florida, and this occurs over the phone.
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