Free help. Use it first.
Verified September 2026. Every number below was checked on the organization's own site. If one stops working, text us and we'll fix the page.
Mortgage and foreclosure counseling (free)
- HUD-approved counselor locator: 800-569-4287, answers.hud.gov/housingcounseling
- Wealth Watchers Inc, Jacksonville (HUD-approved): 904-265-4736, wealthwatchersfl.org
- NACA Jacksonville (HUD-approved, Home Save): 904-306-9272, naca.com
- JALA Foreclosure Intervention Program: counseling plus a City of Jacksonville deferred loan of up to $12,000 to bring the mortgage current. Duval owner-occupants with documented hardship and income under 80% of the area median. 904-356-8371, jaxlegalaid.org/fip
- HOPE Hotline (Homeownership Preservation Foundation): 888-995-4673, 995hope.org
- Find out who owns your loan: yourhome.fanniemae.com (loan lookup) · myhome.freddiemac.com/resources/loanlookup
- FHA loans: 877-622-8525 · VA loans, and veterans with any loan: 877-827-3702 · USDA direct loans: 800-793-8861
- Complaints about a servicer: CFPB 855-411-2372, consumerfinance.gov/complaint · Florida Office of Financial Regulation, flofr.gov
Legal help
- Jacksonville Area Legal Aid (foreclosure defense, probate, heirs property; income-qualified): Duval and Nassau 904-356-8371 · Clay 904-284-8410 · St. Johns 904-827-9921, jaxlegalaid.org
- Three Rivers Legal Services (17 counties including Duval, Clay, Nassau, St. Johns, Baker): 866-256-8091, Jacksonville office 904-394-7450, trls.org
- Community Legal Services (Putnam, Flagler, Volusia): 800-405-1417, legalaccessforall.org
- Florida Bar Lawyer Referral Service, 30 minutes for $25 or less: 800-342-8011, floridabar.org/public/lrs
- Check any lawyer's license and discipline history: floridabar.org/directories/find-mbr
- Florida Senior Legal Helpline (60 and older, income-qualified): 888-895-7873, bals.org/senior-legal-helpline
- Florida Courts self-help forms and centers: help.flcourts.gov, 850-921-0004 · floridalawhelp.org
- Active duty, retirees, dependents (SCRA, foreclosure advice, powers of attorney): NAS Jacksonville Legal Assistance 904-969-1492
Emergency money and housing
- 211 Northeast Florida, 24 hours (the required first call for Catholic Charities and JFCS aid): dial 211 or 904-632-0600, or text HELLO to 211904
- City of Jacksonville Emergency Financial Assistance (rent, mortgage, utilities; Duval, income under 200% of the poverty level, once per 24 months): appointments 904-255-2469
- Northeast Florida Community Action Agency (energy bills, weatherization): Duval 904-398-7472 · Clay 904-592-4838 · Nassau 904-261-0801 · St. Johns 904-824-0978 · Baker 904-259-4481 · Putnam 386-385-3954 · Flagler 386-313-2506
- Catholic Charities Jacksonville 904-354-4846 · Salvation Army Northeast Florida 904-301-4800 · Jewish Family and Community Services 904-448-1933
- Jacksonville Housing Authority (vouchers, waitlists): 904-630-3810
Taxes, records, code
- Duval Tax Collector (quarterly installment plan, apply by April 30; ask about the homestead tax deferral): 904-255-5700, option 4
- Duval Property Appraiser (homestead exemption by March 1; senior exemption): 904-255-5900, homestead.coj.net
- Duval Clerk: probate 904-255-1990 · foreclosure sales duval.realforeclose.com · tax deeds duval.realtaxdeed.com · main 904-255-2000
- Municipal Code Compliance 904-255-7000 · Lien Reduction Program 904-630-2489, lienreduction@coj.net · JAR Program (removes abatement liens for owner-occupants under 80% AMI) 904-630-2489
Seniors, veterans, disability
- ElderSource helpline (Baker, Clay, Duval, Flagler, Nassau, St. Johns, Volusia): 888-242-4464
- City of Jacksonville Veterans Services (walk-ins, 117 W Duval St, Suite 175): 904-255-5550 · Florida Veterans Support Line 844-693-5838
- Disability Rights Florida: 800-342-0823
Scams and fraud
- Florida Attorney General fraud line (has a foreclosure and mortgage-servicing complaint form): 1-866-9-NO-SCAM (866-966-7226)
- FTC: reportfraud.ftc.gov · FDACS consumer line 1-800-HELP-FLA (800-435-7352) · Florida DFS insurance helpline 877-693-5236
- Unclaimed money: claimyourcashfl.gov (replaced FLTreasureHunt on September 15, 2026)
Property-fraud alert, free in every county (§28.47)
If it's more than the house
- 988 Suicide and Crisis Lifeline: call or text 988
- LSF Health Systems Access to Care line (Duval and 22 nearby counties), 24 hours: 877-229-9098
- Here Tomorrow, Neptune Beach, walk in, call or text: 904-222-6988
- Crisis text line: text LIFE to 741741
This guide explains Florida procedure in plain language. It isn't legal advice. For your situation, talk to a lawyer; free options are listed above.
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