Legal Aid for Debt & Bankruptcy
These organizations provide free or low-cost legal help for income-eligible Miami-Dade residents — bankruptcy filing support, debt-collection defense, and general consumer legal issues. None of them guarantee representation: most screen applications and connect accepted cases with a volunteer or staff attorney, which we explain for each organization below.
4 verified organizations in this category.
- Languages
- English
- Cost
- Free civil legal services for income-eligible clients; no published income (FPL) threshold
- Format
- Phone and online application; in-person by case
Verification details · last checked August 19, 2026
Confirmed independently
- Phone extension and program page match Dade Legal Aid's official bankruptcy-assistance page
- Operates as a nonprofit legal-aid provider, exempt from the OFR debt-management license requirements that apply to commercial debt-relief companies
Not independently verified
- Whether Spanish or Haitian Creole intake is available by phone, beyond the website's translation options
- Specific income (FPL) threshold for eligibility
- No BBB profile was located in this review
- No exact-name CFPB complaint record found in the 24-month published dataset
- Acceptance is not guaranteed — applicants represent themselves until a volunteer attorney accepts the case
Sources checked: Dade Legal Aid's official website · Florida Office of Financial Regulation public license files (CCA/BFNO) — legal aid is generally exempt from these requirements · CFPB Consumer Complaint Database — 24-month exact-name count · Better Business Bureau (searched, no profile located)
Next review: February 19, 2027
- Languages
- English, Spanish, Haitian Creole
- Cost
- Free civil legal services for income-eligible clients
- Format
- In-person, phone, and online application
Verification details · last checked August 19, 2026
Confirmed independently
- Address, phone number, and service format match LSGMI's official site
- Operates as a nonprofit legal-aid provider, exempt from the OFR debt-management license requirements that apply to commercial debt-relief companies
Not independently verified
- Exact income-eligibility threshold
- Whether bankruptcy or consumer-debt cases specifically are accepted as a matter of course
- No BBB profile was located in this review
- No exact-name CFPB complaint record found in the 24-month published dataset
Sources checked: LSGMI's official website · Florida Office of Financial Regulation public license files (CCA/BFNO) — legal aid is generally exempt from these requirements · CFPB Consumer Complaint Database — 24-month exact-name count · Better Business Bureau (searched, no profile located)
Next review: February 19, 2027
- Languages
- English, Spanish, Haitian Creole
- Cost
- Free legal consultation, per the U.S. Bankruptcy Court's referral page; terms of any ongoing representation are not published
- Format
- Online intake; in-person clinic/helpdesk access described by the Court's referral page
Verification details · last checked August 19, 2026
Confirmed independently
- Referenced directly by the U.S. Bankruptcy Court, Southern District of Florida's own legal-assistance-for-debtors page
- States directly that it is not affiliated with the U.S. Bankruptcy Court and does not replace a retained attorney
Not independently verified
- A direct phone number
- Specific case-eligibility criteria and whether ongoing representation is guaranteed
- No BBB profile was located in this review
- No exact-name CFPB complaint record found in the 24-month published dataset
Sources checked: U.S. Bankruptcy Court, Southern District of Florida — legal assistance for debtors page · The clinic's own intake page · Florida Office of Financial Regulation public license files (CCA/BFNO) — legal aid is generally exempt from these requirements · CFPB Consumer Complaint Database — 24-month exact-name count · Better Business Bureau (searched, no profile located)
Next review: February 19, 2027
- Languages
- Not independently confirmed
- Cost
- Pro bono (free); clients are referred by the Dade County Bar Association or a sitting bankruptcy judge — not an open public self-referral intake
- Format
- Referral-based
Verification details · last checked August 19, 2026
Confirmed independently
- Address and phone number match the University of Miami School of Law's official clinic page
- Referral pathway (Dade County Bar Association or a sitting bankruptcy judge), stated directly on the clinic's own page
Not independently verified
- Languages supported
- Whether any self-referral path exists outside the stated referral pathway
- No BBB profile was located in this review
- No exact-name CFPB complaint record found in the 24-month published dataset
Sources checked: University of Miami School of Law's official clinic page · Florida Office of Financial Regulation public license files (CCA/BFNO) — pro bono legal representation is generally exempt · CFPB Consumer Complaint Database — 24-month exact-name count · Better Business Bureau (searched, no profile located)
Next review: February 19, 2027
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