Free, legitimate help
- HUD-approved housing counseling — free guidance on modifications, reinstatement, and your options. Call 1-800-569-4287 or visit consumerfinance.gov.
- Consumer Financial Protection Bureau (CFPB) — plain-English explanations of your mortgage and foreclosure rights at consumerfinance.gov.
- Florida Bar lawyer referral — to find a licensed Florida attorney for legal questions about your situation.
Know your county process
Florida foreclosures are handled through your county Clerk of Court, with auctions held online. Your county clerk's website shows case status and sale dates — Clay County (Green Cove Springs), Duval County (Jacksonville), Nassau County (Fernandina Beach), St. Johns County (St. Augustine), Putnam County (Palatka), and Baker County (Macclenny).
How to spot a foreclosure-rescue scam
Be cautious of anyone who asks for a large upfront fee to "stop foreclosure," pressures you to sign over your deed, tells you to make mortgage payments to them instead of your lender, or "guarantees" they can save your home. Those are red flags. We never do any of those things. If you encounter a scam, you can report it to the Florida Attorney General or the FTC.
Our situation guides
We've written plain-English guides on every common situation — short sale, behind on payments, loan modification, deed in lieu, and more. See all situations →
Need to talk to someone?