Community Legal Services: Free Legal Aid for Florida Residents

By Talk About Debt Team
Reviewed by Ben Jackson
Last Updated: February 16, 2026
4 min read
The Bottom Line

Community Legal Services provides free legal assistance to low-income Central Florida residents facing civil legal challenges. If you earn less than 125% of federal poverty guidelines, you qualify for help with debt, housing, domestic violence, and other legal issues. You can also respond to debt collection lawsuits with help from experienced professionals.

Respond to Lawsuit

Residents of Central Florida facing legal challenges can get free help from Community Legal Services. You qualify if you earn less than 125% of federal poverty guidelines.

Community Legal Services provides civil legal aid to low-income individuals. They help resolve everyday non-criminal challenges.

Facing a Debt Collection Lawsuit in Florida?

You have 20 days to respond to a summons in Florida. Missing the deadline results in automatic judgment against you. Get professional help responding to debt collectors and negotiating settlements.

Answer Your Summons

Community Legal Services assists with multiple legal issues:

  • Protecting women and children from domestic violence
  • Preventing illegal evictions for seniors
  • Helping veterans receive financial benefits
  • Educating communities about their rights
  • Managing finances and eliminating debt
  • Connecting homeless individuals to resources

The organization serves the most vulnerable Central Florida residents. You get free legal representation and expert guidance.

Community Legal Services has served Central Florida since 1966. Their mission: provide no-cost legal services to protect families, health, and livelihood.

The organization follows six core values:

  • Passionate: Taking meaningful causes and influencing communities to fight for justice
  • Integrity: Building trust through honest and ethical interactions
  • Leverage: Using all available resources to empower clients
  • Leadership: Pursuing excellence in practice and partnerships
  • Adaptable: Embracing change for better outcomes
  • Respect: Treating everyone with dignity and professionalism

Over 100 advocates, attorneys, and staff work across twelve Central Florida counties. They reach more than 20,000 residents each year.

Real Results for Real People

Community Legal Services delivers measurable impact. Oliver, a veteran, struggled for months with Veterans Affairs over healthcare. A CLS staff lawyer helped him get the medication he needed.

In 2022, Community Legal Services achieved impressive results:

  • Protected 290 persons with disabilities from discrimination
  • Handled 14,609 legal issues
  • Held 387 in-person events educating 11,658 people
  • Provided benefits and services to 2,716 seniors
  • Assisted 942 veterans with legal matters
  • Helped 6,552 domestic violence survivors
  • Collected $3.9M in rental assistance through 26 clinics

Qualifying for CLS Services

You must meet specific guidelines based on income, assets, and household size. Your income cannot exceed 125% of federal poverty guidelines.

Cases involving elderly clients or domestic violence may have flexible income requirements. Apply online to check your eligibility.

Ways to Support CLS

Community Legal Services welcomes help from legal and non-legal volunteers.

Legal professionals can serve through Pro Bono opportunities:

  • Advising clients in legal clinics
  • Providing limited or extended representation
  • Training others in peer academy
  • Offering office hours
  • Creating custom volunteer opportunities
  • Emeritus options for retired attorneys

Law students and non-legal volunteers help reach communities and expand impact. You can also donate online to support families who cannot afford attorneys.

Getting Help with Debt Collection in Florida

Facing a debt lawsuit in Florida? Community Legal Services offers extensive resources on debt and creditor issues.

Their resources cover critical topics:

  • Budgeting strategies
  • Bill collections and harassment
  • Bankruptcy options
  • Credit reporting disputes
  • Loan deficiency
  • Mortgage deficiency
  • Wage garnishment
  • Vehicle repossession
  • Student loans
  • Identity theft

Understanding your consumer rights is essential when dealing with debt collectors. Never ignore notices from collectors or court summons.

You must respond proactively to debt collection letters and lawsuits. Filing an Answer to a debt lawsuit protects your rights. Our partner Solo can help you respond to debt collectors and negotiate settlements.

Your Rights in Debt Collection Cases

Debt collectors must follow strict rules under federal and Florida law. They cannot harass, threaten, or mislead you.

You have the right to:

  • Request debt validation within 30 days
  • Dispute inaccurate debts in writing
  • Stop collection calls by requesting written communication only
  • File a complaint against abusive collectors
  • Defend yourself in court against lawsuits

Document all communication with debt collectors. Keep copies of letters, notices, and court documents.

Responding to a Debt Collection Lawsuit

If you receive a summons, you typically have 20 days to respond in Florida. Missing the deadline results in a default judgment against you.

Your Answer should address each claim in the complaint. You can raise affirmative defenses like statute of limitations or improper service.

Consider settlement options before going to trial. Many collectors accept reduced amounts or payment plans.

Community Legal Services helps qualifying Florida residents with legal issues. Contact them if you meet income requirements and face civil legal challenges.

For debt collection lawsuits, acting quickly protects your rights. Professional guidance improves your chances of a favorable outcome.

Frequently Asked Questions

What is Community Legal Services in Florida?

Community Legal Services is a nonprofit organization that provides free civil legal aid to low-income Central Florida residents. They serve over 20,000 people annually across twelve counties, helping with debt, housing, domestic violence, veterans benefits, and other legal issues.

How do I qualify for Community Legal Services assistance?

You qualify if your income does not exceed 125% of federal poverty guidelines based on your household size. Cases involving elderly clients or domestic violence may have flexible income requirements. Apply online to check your eligibility.

Can Community Legal Services help with debt collection lawsuits?

Yes, Community Legal Services offers resources and assistance for debt collection issues in Florida. They provide information on consumer rights, bankruptcy, wage garnishment, and responding to debt lawsuits. You must act within 20 days of receiving a summons to protect your rights.

How long do I have to respond to a debt lawsuit in Florida?

You typically have 20 days to file an Answer after being served with a summons in Florida. Missing this deadline can result in a default judgment against you, allowing the creditor to garnish wages or freeze bank accounts.

What types of legal issues does Community Legal Services handle?

Community Legal Services handles civil legal matters including domestic violence protection, illegal evictions, veterans benefits, debt collection, wage garnishment, bankruptcy, credit reporting, housing issues, and public benefits. They do not handle criminal cases.