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Statute of Limitations on Florida Debt

George Simons | October 19, 2022

You're holding all the cards when the statute of limitations runs out.

Summary: Being sued for an old debt in Florida? You might not have to pay if the statute of limitations has run out. Find out if the statute of limitations is your best defense.

If you reside in Florida and were served with a debt collection lawsuit, it is incredibly important to assess the age of the debt that is allegedly owed. Why is the age of the debt important? Because you may be able to raise the statute of limitations as a defense to get the debt collection lawsuit thrown out of a Florida court.

Understanding the Statute of Limitations on Florida Debt

Florida Statute of Limitations
on Debt

Debt Type

Deadline in Years

Consumer debts

5 years



Source: Findlaw

The statute of limitations is a timeline set forth by the Florida government that stipulates how long a debt collector can file a lawsuit to collect on a debt. If the statute of limitations for that particular type of debt expires, the creditor is barred from attempting to collect on the debt through a civil lawsuit. In Florida, the statute of limitations on Florida debt is generally five years.

However, it is fairly common for creditors to proceed with filing a lawsuit in the hopes that you will not realize that the statute of limitations expired. It is important to note that the responsibility falls on you, the defendant, to raise the statute of limitations as a defense.

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Do Not Make a “Good Faith” Payment Toward a Debt

Some debt collectors will try to persuade you to make a small, “good faith” payment towards the debt. Do not make this mistake. If you make a new payment toward the debt, it will effectively reset the clock on the statute of limitations. Renewing your debt means that the debt collector gets to enjoy a much longer period of time to pursue collection of the debt and can file a lawsuit against you based on the date of the new payment.

Debt Collection Procedures in Florida

Even though you cannot be jailed for failing to pay a debt in Florida, a creditor can send your credit history and information to the nation's credit bureaus Experian, TransUnion, and Equifax. This information can harm your credit score or, worse, remain on your credit report for up to seven years.

It is important to note that the Federal Debt Collection Practices Act (FDCPA) bars debt collectors from harassing you or resulting in aggressive and abusive tactics to collect their debt. For example, debt collectors cannot threaten you or falsely claim to arrest you.

They cannot also call you before 8:00 AM or after 9:00 PM unless you expressly permit them. Exaggerating or misrepresenting the amount you owe them is also prohibited.

In Florida, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) if a debt collector is threatening you, repeatedly calling, using abusive language, or misrepresenting your information. However, should you fail to clear your debt, the debt collectors may file a lawsuit in court and a judgment made against you as a result. If this happens, you will become a "judgment debtor."

The debt collector may keep trying to collect their debt for up to 20 years which is how long some judgments last. It is critical to note that some debts may accrue interest along the way depending on the standards set by the Chief Financial Officer of the Florida State.

If a judgment is entered against you, a Florida court may ask you to submit your property information, income, assets, employer details, and social security number. The courts may also authorize an execution which is a process that allows the person or company owed to seize your personal or real estate property.

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Other consequences of having a judgment entered against you include having your bank account seized and your wages garnished. However, there is a limit to what assets can be seized or accessed, including:

  • Your home: if you live in an incorporated area, you can exempt your home and up to one half-acre from being sold to clear your debt. This number goes up to 160 acres if you live in an unincorporated area. All creditors are barred from seizing your home except those holding lien or a mortgage against your house.
  • Your wages: In Florida, the federal law provides residents with protections from wage garnishment. Specifically, the wages garnished from you as a debtor "cannot exceed 25% of your net wages per week or be more than 30 times the minimum hourly wage." In that case, the law considers the lesser amount. If you are considered the head of the household and earn less than $750 per work-week, you can exempt your wages from a creditor's collection.
  • Your vehicle: Since you can exempt up to $1000 of your car's value from seizure, creditors are barred from seizing your vehicle unless exceeding the $1000 value mark. You may also file an affidavit with the Florida court if your car has been seized and you believe the car is worth less than the stipulated $1000.

Responding to Collection Letters

After receiving a phone call or a creditor's collection letter, the first step is to validate the debt. You can do this by:

  • Verifying the exact details of the person contacting you, including their name and the name of their company.
  • Finding out the debt collectors phone number and address
  • Finding out details on how you can confirm or dispute the debt
  • Finding out the amount you owe

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You can access sample letters from the Consumer Financial Protection Bureau (CFPB) to confirm your debt, request more information, and give the debt collector specific instructions on contacting you. Once you confirm the debt and all the other necessary information, you should take quick action to minimize damaging consequences.

First, you should determine the Statute of Limitations for the different types of debts to check if the debt collector can still file a lawsuit against you.

If you are unsure about the debt's owner or you wish to dispute it, you should ask the creditor for more evidence or verification documents, or you can even ask them to stop contacting you.

Here are some ideas to keep in mind when working with debt collectors:

  • Try to work with the debt collector on an affordable and realistic payment plan
  • Keep in mind your current bills while working on this payment plan. Ensure you can handle both adequately.
  • Negotiate a lump-sum payment that will clear your debt once.

If you are being harassed by a debt collector or were served with a Summons and Complaint, it is important to determine the age of the debt so you can assess whether a statute of limitations defense is viable. In Florida, the statute of limitations applicable to a debt collection lawsuit is generally five years. This means that once five years have passed, a creditor generally can no longer file a lawsuit against you to try and recover on that old debt.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

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"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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