Florida has some of the highest credit card debt in the country—and if you’re struggling, you’re not alone. Whether you’re behind on payments, facing creditor calls, or overwhelmed by rising costs, there are Florida-specific debt relief programs that can help you breathe again. This guide covers everything you need to know in 2025.
💡 Struggling With $10,000+ in Debt?
Florida residents: New Era Debt Solutions is one of the most trusted and highest-rated debt relief companies in the country. They’ve helped thousands settle their debt for less—and they don’t charge upfront fees.
| Company | Best For | Rating | Min. Debt |
|---|---|---|---|
| New Era Debt | Unsecured & Credit Cards | 4.9/5 | $10,000 |
| TurboDebt | Unsecured Debt | 4.9/5 | $10,000 |
| Accredited Debt Relief | Unsecured Debt | 4.86/5 | $10,000 |
| CuraDebt | Smaller Debts | 4.73/5 | $5,000 |
| Accredited Debt Relief | Unsecured Debt | 4.85/5 | $10,000 |
Read our full reviews here.
Florida Debt Relief Programs in 2025
1. Debt Settlement Programs:
Debt settlement companies, like New Era Debt, CuraDebt or Oak View Law Group, can negotiate with your creditors (on your behalf and with your authorization) to reduce the total amount owed. In Florida, many companies and credit counseling nonprofits offer debt settlement services, where they work on your behalf to reach a settlement for less than what you owe.
Local Providers: Some national companies operate within Florida as well, and there are also local firms offering personalized services.
2. Debt Management Plans (DMPs):
Many nonprofit (and for-profit) credit counseling agencies in Florida offer DMPs or Debt Management Plans, where they negotiate lower interest rates and more manageable payment plans with creditors. You make a single monthly payment to the agency, which then distributes it to your creditors on your behalf.
Local Providers: Organizations like ClearPoint Credit Counseling Solutions and Consumer Credit Counseling Service of Central Florida and the Florida Gulf Coast provide DMPs.
3. Credit Counseling Services:
Credit counseling agencies (many of them being nonprofits) provide free or low-cost advice on managing your finances, budgeting, and debt repayment strategies. They can also help you create a debt management plan.
Local Providers: Many nonprofit agencies in Florida offer credit counseling, including InCharge Debt Solutions and Money Management International.
4. Bankruptcy:
Filing for bankruptcy can help discharge or drastically lower your debts under Chapter 7 or Chapter 13 bankruptcy laws. In Florida, specific exemptions apply that protect certain assets, like your homestead. In fact, the Florida homestead exemption is one of the most generous in the United States. It protects the equity in your primary residence (homestead) from being seized by creditors in both Chapter 7 and Chapter 13 bankruptcy filings.
Local Providers: Bankruptcy attorneys throughout Florida can guide you through the process. Florida’s bankruptcy courts also have resources to help residents understand their options, so we encourage you to visit your local court.
5. Florida Hardest-Hit Fund:
This unique and exclusive FL program is aimed at homeowners who are struggling to make their mortgage payments due to unemployment or underemployment. It offers mortgage assistance to eligible Florida residents.
Local Providers: You can apply through the Florida Housing Finance Corporation.
6. Tax Debt Relief:
For those with tax debts, the IRS and Florida Department of Revenue offer options such as installment agreements, offers in compromise, or penalty abatement.
Local Providers: Tax relief firms in Florida specialize in negotiating with the IRS and state tax authorities.
7. Student Loan Forgiveness Programs:
Federal programs such as Public Service Loan Forgiveness (PSLF) or Income-Driven Repayment (IDR) plans may be available to Florida residents with student loan debt.
Local Providers: Many national organizations provide assistance with navigating student loan forgiveness, but local nonprofit organizations or state agencies may also be able to offer you some guidance.
8. Foreclosure Prevention Programs:
Programs like Florida’s Hardest-Hit Fund which we covered earlier offer assistance to homeowners facing foreclosure. Additionally, some counties within Florida offer mediation programs to help homeowners avoid foreclosure.
Local Providers: Florida Housing and various county-level programs offer foreclosure prevention assistance.
9. Veterans Debt Relief:
Veterans in Florida may qualify for special debt relief programs, including VA loan modifications, and other support through veteran-specific organizations.
Local Providers: The Florida Department of Veterans’ Affairs and local VA offices can provide information and assistance.
10. Legal Aid Services:
Florida residents with low income may qualify for free legal aid services, including help with debt-related issues like defending against lawsuits from creditors/collectors or understanding bankruptcy options.
Local Providers: Legal Aid of Manasota, Inc. and Legal Services of Greater Miami, Inc. are examples of organizations offering these services. You should be able to find one close to you if these two are not within reach.
11. Nonprofit Debt Consolidation:
Nonprofit organizations in Florida may offer debt consolidation services, helping you combine multiple debts into one manageable payment, often with lower interest rates.
😓 Still Feeling Overwhelmed By Debt?
New Era Debt Relief has helped thousands of Americans get back on track—without upfront fees or gimmicks.
Florida Debt Relief FAQ
What is the most popular form of debt relief in Florida?
Debt settlement and credit counseling are the two most popular forms of debt relief among Florida residents. Settlement helps reduce the total debt you owe, while counseling helps you organize and repay debt over time.
Is debt settlement legal in Florida?
Yes. Debt settlement is legal in Florida and is regulated by both federal and state consumer protection laws. Always make sure you choose a company that is accredited and has positive reviews.
Will debt relief hurt my credit score?
Most debt relief options—especially settlement and bankruptcy—can impact your credit score in the short term. However, reducing or eliminating debt can lead to long-term credit improvement if managed properly.
How much debt do I need to qualify for programs like New Era Debt Relief?
Most debt settlement companies, including New Era Debt Solutions, require at least $10,000 in unsecured debt to qualify. Some providers like CuraDebt accept as low as $5,000.
Can I consolidate my debt instead of settling it?
Yes. Debt consolidation allows you to combine all your debts into a single monthly payment, usually with a lower interest rate. This is ideal if you have a good credit score and steady income.
Are there any state-specific programs for Floridians?
Yes. Florida residents may qualify for the Florida Hardest-Hit Fund for mortgage assistance and county-level foreclosure mediation programs. Veterans and low-income residents may also qualify for additional support.
What is the Florida homestead exemption in bankruptcy?
Florida’s homestead exemption is one of the most generous in the U.S. It protects the equity in your primary residence from creditors when filing for bankruptcy, provided the property meets certain requirements.
How long does it take to complete a debt relief program?
It depends on the type of program. Debt settlement usually takes 24–48 months. DMPs and consolidation loans vary, but typically range from 3–5 years. Bankruptcy can discharge debt in as little as a few months (Chapter 7) or 3–5 years (Chapter 13).
How do I choose the right debt relief company in Florida?
Look for companies with high ratings on BBB, TrustPilot, and Google. Prioritize firms that are accredited by organizations like IAPDA, AFCC, or the NFCC. We recommend New Era Debt Solutions as a top choice for Floridians with over $10,000 in debt.
