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Free Florida credit and debt counseling agencies.

Non-profit credit counseling agencies in Florida can provide a number of services. Call or stop by a location near you listed below to get help with free debt consolidation programs, foreclosure and mortgage assistance, credit repair, and more. Some assistance is available at no cost, and other services may have a minimal fee. In addition to that list, a number of other programs and resources can also be offered by government certified non-profit credit counselors in Florida.

You can meet with a credit counselor for free confidential advice and support. 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 and services such as debt consolidation, foreclosure and mortgage assistance, and resources that can help individuals pay off personal or title loans.

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. The specialists can enroll clients into the program that is most relevant for their situation.

Below is information, including phone numbers and addresses, of most of the non-profit credit counseling agencies that operate in Florida. There is also some information on the programs they provide, including assistance with reducing car title loans.

123 Credit Counselors, Inc.
703 Waterford Way (NW 62nd Ave.), Suite 220
Miami, Florida 33126
Phone number - 305-269-9201

Advisory Credit Management, Inc.
Address - 5769 West Sunrise Blvd.
Plantation, Florida 33313
Phone - 800-786-3940




Consumer Credit and Budget Counseling, Inc.
Toll free number - 609-390-9652

Consumer Credit Counseling Service of West Florida, Inc.
Work with this non-profit, government approved HUD counseling agency. They also coordinate credit card debt settlement and consolidation programs. Services offered, some of which are free or low cost, can help individuals pay their debts off, get back on track with their mortgage, and improve their overall financial condition. Home buying assistance and low cost loans may also be offered.

Address - 14 Palafox Place
Pensacola, FL 32502 

Address - 913 N Beal Parkway Unit H
Ft Walton Beach, FL 32547
Phone number - 800-343-3317

Location of the center is 625 Highway 231
Panama City, Florida 32401

Consumer Credit Counseling Service of Mid Florida
Address - 1227-9 NW 16th Avenue
Gainesville, FL 32601
Telephone number - 888-436-4054
Credit and housing counselors can provide a number of counseling and financial management programs to clients. Get help with paying off debts and loans, or call/stop by for free foreclosure help. Also learn the pros and cons of bankruptcy.





Consumer Debt Counselors, Inc.
4055 Tamiami Trail Suite 25
Port Charlotte, FL 33953
The toll free number is 800-801-2248
Families, immigrants, seniors, and struggling families are all clients of this Florida non-profit debt counseling agency.

831 W. Morse Blvd.
Winter Park, Florida 32789

CredAbility, Consumer Credit Counseling Service of Greater Atlanta, Inc. (also supports Florida residents)
While the headquarters is outside of the state, credit counselors are available locally from this organization at multiple locations throughout Florida. The offices and phone numbers to call for information on credit and debt assistance are listed below. Senior citizens seeking to pay off or consolidate medical debts are often clients

  • Address - 12811 Kenwood Lane Suite 111
    Fort Myers, Florida 33907
    Dial - 800-251-2227
  • 900 North 14th Avenue
    Leesburg, FL 34748
    Phone number - 800-251-2227
  • 3670 Maguire Blvd., Suite 103
    Orlando, FL 32803
  • Address of facility is - 5421 Beaumont Center Boulevard Suite 600
    Tampa, FL 33634
  • 1515 North Federal Parkway Suite 200
    Boca Raton, Florida 33434
    Main phone number - 800-251-2227
  • 591 SE Port St. Lucie Boulevard 
    Port St. Lucie, FL 34984
  • 850 NW Federal Highway
    Stuart, FL  34994
    Dial - 800-251-2227
  • 700 South Dixie Hwy, Suite 103
    West Palm Beach, FL 33401

Credit Card Management Services, Inc. dba
Credit Card Management Services, Inc.
1325 N Congress Ave Ste 201
West Palm Beach, FL 33401
A second site is in Florida at PO Box 220597, West Palm Beach, FL 33401.
Call 800-920-2262 for information on ways to get free help, advice, and other forms of support and advice.





Debt Management Credit Counseling Corp.
Address - 700 W. Hillsboro Blvd., Building 1, Suite 105
Deerfield Beach, FL 33441
Call - 954-418-1466

Family Counseling Center of Brevard, Inc. – Offices are located in the region and are listed below.

One the specialties of this Florida 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 debts and it may even consolidate some of the financial obligations. Other services include advice on filing for bankruptcy and assistance for seniors regarding budgeting and income management.

4880 Stack Blvd. Unit E5
Melbourne, Florida 32901

840 Brevard Avenue
Rockledge, FL 32955

725 DeLeon Avenue
Titusville, Florida 32780
Phone number - 321-636-9210

Address of this counseling office is at 220 Coral Sands Drive
Rockledge, FL 32955

Address is 1639 Atlantic Boulevard
Jacksonville, Florida 32207
Dial - 888-444-0046

Family Life Resources, Inc.
5802 E. Fowler Avenue
Tampa, Florida 33617

GreenPath, Inc.
Main office address is 111 West Main Street Suite 308
Inverness, FL  34450
Phone number - 888-436-4054







Consumer Credit Counseling Service of Mid Florida – This is yet another federal government certified non-profit.

  • Address - 111 West Main Street Suite 308
    Inverness, Florida 34450
  • 725 SE Baya Drive Suite 107
    Lake City, FL 32055
    Telephone number of the location is 888-436-4054
  • 1525 NE 22nd Avenue
    Ocala, Florida 34470

Consumer Credit Counseling Service of South Florida
A number of locations are located around the southern and middle portion of the state. The area is always under pressure from booms and busts in the housing market, so many homeowners need foreclosure and/or mortgage delinquency programs. Or South Florida residents can learn about low cost loans with minimal closing costs. Call a counselor for this type of help, as well as information on other debt reduction programs.

Address - 4491 South State Road 7 Suite 201
Davie, Florida 33314

1800 W. 49th Street Suite 303
Hialeah, FL 33012

Location - 301 Civic Court
Homestead, Florida 33030
Phone number is 800-355-2227

3170 N. Federal Highway Suite 103E
Lighthouse Point, FL 33064
Information can be obtained by dialing 800-355-2227

Main office located at 1982 N. State Road 7
Margate, Florida 33063
Speak to a counselor by dialing 800-355-2227

1175 NE 125th Street Suite 413
North Miami, Florida 33161
Counselors from this office specialize in preventing foreclosures in the southern Florida and Miami area. 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 and fee waivers can be negotiated with your creditors.

12651 S. Dixie Hwy
Pinecrest, Florida 33156
Phone number - 800-355-2227

1333 S. University Drive
Plantation, Florida 33324
Dial 800-355-2227 for information on debt consolidation and credit services.





InCharge Debt Solutions
5750 Major Blvd., Suite 175
Orlando, Florida 32819
Call - 866-729-0049
Advice and assistance from this non-profit is provided across Florida, and this occurs over the phone.

National Financial Literacy Foundation, Inc.
555 Winderley Place Suite 300
Maitland, Florida 32751
Dial - 877-380-6353


By Jon McNamara

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