LSC-funded legal aid offices, pro bono programs, and bankruptcy court self-help for Florida residents.
To get free bankruptcy help in Florida, contact an LSC-funded legal aid office (Bay Area Legal Services, Inc.; Coast to Coast Legal Aid of South Florida, Inc.; Community Legal Services of Mid-Florida, Inc.; Florida Rural Legal Services, Inc.; Legal Services of Greater Miami, Inc.; Legal Services of North Florida, Inc.; Three Rivers Legal Services, Inc.), use the LawHelp.org directory, or visit the self-help resources of the Middle District of Florida, Northern District of Florida, Southern District of Florida. Legal aid is free for residents who qualify financially (typically 125-200% of the federal poverty level).
These are the Legal Services Corporation-funded civil legal aid programs serving Florida. They provide free legal help to residents who meet income guidelines (typically 125-200% of the federal poverty level). Many handle consumer debt, foreclosure defense, and bankruptcy.
Not sure which office covers your county? Use the LSC address-based legal-aid locator or the national LawHelp.org directory.
Federal bankruptcy cases in Florida are filed in the court(s) below. Court staff cannot give legal advice, but many operate self-help desks, pro se assistance programs, and publish local forms and pro bono attorney lists.
Many law schools operate clinics where law students, supervised by licensed attorneys, provide free representation in consumer bankruptcy cases. Contact ABA-accredited law schools in Florida or search the National Consumer Law Center directory.
State and local bar associations operate pro bono referral and reduced-fee ("low-bono") programs that match qualifying residents with volunteer attorneys, some of whom handle bankruptcy.
Federal law requires an approved credit-counseling course before filing and a debtor-education course before discharge. The U.S. Trustee approves agencies for each judicial district; many offer free sessions for low-income debtors.