The most recently verified debt-help dataset in Miami-Dade.
We don't just list nonprofit credit counselors, bankruptcy attorneys, and legal aid — we maintain structured, re-checked data on each one: eligibility, languages, fees, and service area. Not paid to rank higher.
- Eligibility rules, fee structure, and whether they're currently accepting new clients.
- Languages offered and service format — re-confirmed on a rolling basis, not set once.
- Paid placement never changes verification status, ranking rules, or what we publish.
You don't need to know what kind of help you need yet.
Tell us what's happening — we'll point you to the right starting point and the verified resources for it.
Five kinds of help. One verification standard.
We don't just list organizations — we verify them, and we show you exactly what we checked. See our full methodology.
What "verified" actually tracks — Nonprofit Credit Counseling example
● Refreshed on a rolling basisNonprofit Credit Counseling
Bankruptcy Attorneys
Legal Aid Organizations
Credit Unions
HUD-Approved Housing Counselors
Independently Verified
Cross-checked against NFCC, the Florida Bar, and state licensing databases — not self-reported.
Transparent Monetization
Some listings are paid placements, clearly marked. Payment never affects verification. Read how we make money.
Native Bilingual, Not Translated
Our Spanish content is written by a native Spanish editor for Miami's Hispanic community — not machine-translated.
Understanding your options
What's the difference between debt settlement, debt management, and bankruptcy?
Debt settlement negotiates to pay less than what's owed, often at the cost of your credit score and with tax implications. A debt management plan (DMP) through a nonprofit counselor repays the full balance at a reduced interest rate. Bankruptcy is a legal process that can discharge or restructure debt under court supervision. Each fits different situations — see our full comparison guide.
Is nonprofit credit counseling actually free?
The initial counseling session is typically free. If you enroll in a debt management plan afterward, most nonprofit agencies charge a modest monthly fee, usually far lower than for-profit alternatives. We verify each organization's fee disclosure before listing it.
How does Miami Debt Help make money?
Some organizations pay a monthly fee for a featured listing. This never changes whether an organization is verified, and it's always visibly labeled. We do not sell your contact information and we do not accept payment from debt-settlement companies to rank them higher. Full disclosure here.
Does Miami Debt Help negotiate my debt or provide legal advice?
No. We are an independent directory and educational resource. We don't negotiate with creditors, handle your money, or provide legal or financial advice. We help you find licensed, verified professionals and organizations who do.
What are you trying to figure out?
Ask anonymously. Real questions from Miami-Dade residents shape what we research and write next — this is how we find the gaps a keyword list won't show us.
Run a credit union, law office, or counseling nonprofit in Miami-Dade?
Free verified listings are open to any qualifying organization. Featured placement is available for a monthly fee.