South Florida rent is brutal, FPL bills spike when the AC runs nine months a year, and insurance and car costs keep climbing. If one surprise expense has you behind, you're far from alone, and there's real help out there. Greater Miami has nonprofits that cover rent, utilities, groceries, and free eviction defense. This guide covers the whole metro: Miami-Dade, Broward, and Palm Beach counties, from Homestead to Fort Lauderdale to Boca Raton and West Palm Beach. We focused on