As we continue our recovery and cleanup efforts, please visit the Emergency website for the latest information on openings and closings in Miami-Dade County.
The tips and resources below can help homeowners address debt before the possibility of losing a home looms.
- Tips to prevent a foreclosure
- Credit Counseling
- Bankruptcy & Debt Management
- Home Energy Assistance
- Servicemembers Civil Relief Act
- Surtax and SHIP Loans
Tips to prevent a foreclosure
If you have questions regarding your credit, use the links below for counseling services.
- Federally Approved Credit Counseling Agencies
- HUD Housing Counseling Agencies
- Clearpoint Credit Counseling Solutions
- Clearpoint Credit Counseling Solutions en Español
- Homes and Mortgages
- National Foundation for Credit Counseling
- Questions and Answers on Home Foreclosure and Debt Cancellation
Bankruptcy & Debt Management
One of the many issues related to foreclosure includes the possibility of filing for bankruptcy protection before the foreclosure sale takes place. Learn more about debt options.Back to Top
Low-Income Home Energy Assistance Program
This program provides assistance to low-income individuals and families who are experiencing difficulty in paying for utilities such as electricity and gas. This assistance is provided in the form of a credit on an existing utility bill.Back to Top
Servicemembers Civil Relief Act
Information for military personnel about the SCRA benefits and protections, including mortgage relief.Back to Top
Servicing of Homeownership Loans funded through Surtax and SHIP
Miami-Dade County loan servicing staff works with low-income borrowers who received a second mortgage through the Documentary Stamp Surtax and State Housing Initiative Partnership programs that are delinquent and at risk of default to restructure the loan or enter into a temporary deferral. Homeowners can also receive assistance in addressing escrow shortages and unexpected special assessments by providing the needed funds upfront and adding the amount to the outstanding loan balance.Back to Top
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