Compare 6 free help companies serving Jacksonville, Florida. Average rating: 4.1/5.
Florida allows payday lending with notable consumer protections including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.
American Consumer Credit Counseling (ACCC) is a BBB A+-rated nonprofit offering free credit counseling and Debt Management Plans to help Jacksonville residents consolidate and pay off credit card debt faster.
Best for: Jacksonville residents with multiple credit cards struggling to manage payments and seeking lower interest rates, Consumers seeking structured debt payoff plans without taking on new loans or debt settlement
National nonprofit providing free NFCC and HUD-certified financial counseling, debt management programs, and housing assistance since 1961.
Best for: Individuals with high-interest credit card debt seeking consolidation and interest rate negotiation, Homeowners facing foreclosure or considering reverse mortgages seeking HUD-certified guidance
Jacksonville Area Legal Aid is a nonprofit law firm providing free and reduced-fee legal services to low-income individuals across North Florida since 1937.
Best for: Low-income individuals and families in North Florida facing eviction, family law disputes, or housing-related legal issues, Moderate-income families in Duval, Clay, and Nassau counties seeking affordable legal assistance through the FLARE sliding-scale program
National nonprofit credit counseling and HUD-approved housing counselor network offering free debt relief, credit building, and homeownership guidance since 1974.
Best for: Homebuyers seeking free pre-purchase education and credit counseling before applying for mortgages, Reverse mortgage inquirers needing federally required counseling before proceeding with application
NACA is a non-profit housing advocacy organization offering character-based mortgage lending and HUD-approved housing counseling to help underserved communities achieve affordable homeownership.
Best for: Low-to-moderate income borrowers with poor or no credit history seeking first-time homeownership, Borrowers priced out of traditional mortgages due to down payment requirements or closing costs
HUD-certified nonprofit housing counselor and community development organization serving low-to-moderate income individuals in Florida and Georgia since 2001.
Best for: First-time homebuyers seeking free pre-purchase counseling and down payment assistance guidance, Low-to-moderate income families wanting to understand wealth-building strategies
American Consumer Credit Counseling (ACCC) is a BBB A+-rated nonprofit offering free credit counseling and Debt Management Plans to help Jacksonville residents consolidate and pay off credit card debt faster.
Best for: Jacksonville residents with multiple credit cards struggling to manage payments and seeking lower interest rates, Consumers seeking structured debt payoff plans without taking on new loans or debt settlement
National nonprofit providing free NFCC and HUD-certified financial counseling, debt management programs, and housing assistance since 1961.
Best for: Individuals with high-interest credit card debt seeking consolidation and interest rate negotiation, Homeowners facing foreclosure or considering reverse mortgages seeking HUD-certified guidance
Jacksonville Area Legal Aid is a nonprofit law firm providing free and reduced-fee legal services to low-income individuals across North Florida since 1937.
Best for: Low-income individuals and families in North Florida facing eviction, family law disputes, or housing-related legal issues, Moderate-income families in Duval, Clay, and Nassau counties seeking affordable legal assistance through the FLARE sliding-scale program
National nonprofit credit counseling and HUD-approved housing counselor network offering free debt relief, credit building, and homeownership guidance since 1974.
Best for: Homebuyers seeking free pre-purchase education and credit counseling before applying for mortgages, Reverse mortgage inquirers needing federally required counseling before proceeding with application
NACA is a non-profit housing advocacy organization offering character-based mortgage lending and HUD-approved housing counseling to help underserved communities achieve affordable homeownership.
Best for: Low-to-moderate income borrowers with poor or no credit history seeking first-time homeownership, Borrowers priced out of traditional mortgages due to down payment requirements or closing costs
HUD-certified nonprofit housing counselor and community development organization serving low-to-moderate income individuals in Florida and Georgia since 2001.
Best for: First-time homebuyers seeking free pre-purchase counseling and down payment assistance guidance, Low-to-moderate income families wanting to understand wealth-building strategies