Sued for Debt in Florida? We Can Help
Our attorneys negotiate with debt collectors in Florida to reduce what you owe — often by 50-70%. Free consultation. Learn about your rights, deadlines, and options below.
Response Deadline: 20 Days
You have 20 days from the date you are served to file your Answer with the Florida court. Missing this deadline results in an automatic default judgment against you.
Statute of Limitations in Florida
| Debt Type | Years |
|---|---|
| Credit Card | 5 |
| Medical Debt | 5 |
| Auto Loan / Deficiency | 5 |
| Personal Loan | 5 |
| Written Contract | 5 |
| Oral Contract | 4 |
The statute of limitations is measured from the date of your last payment or activity on the account. If the SOL has expired, the debt is time-barred and you have a strong affirmative defense.
Wage Garnishment in Florida
Wage garnishment is allowed — up to 25% of disposable earnings
Head of household is completely exempt from wage garnishment if providing more than half of a dependent's support. Strong protection.
Court System in Florida
County court handles cases up to $50,000. Circuit court for larger amounts. Small claims up to $8,000.
Filing fees: $55-$400
Florida Consumer Protection Law
Florida Consumer Collection Practices Act (FCCPA)
In addition to the federal FDCPA, Florida has its own consumer protection law that may provide additional rights and remedies against debt collectors. Violations of state law can result in additional damages.
How We Help With Florida Debt Cases
- Free consultation. Tell us about the lawsuit and the debt. We review your case and assess your options at no cost.
- Case assessment. We evaluate the strength of the collector's case, check for FDCPA violations, and determine the best approach — negotiation, defense, or counterclaim.
- Attorney negotiation. Our attorney contacts the collector directly and negotiates a reduced settlement. Most Florida clients save 50-70% of their original debt amount.
- Resolution. You pay the agreed settlement, the lawsuit is dismissed, and the case is closed. No court appearances, no filing paperwork yourself.
Note: You have 20 days to respond to the lawsuit in Florida. Contact us as soon as possible to ensure we can negotiate before the deadline.
FAQ: Debt Collection in Florida
How long do I have to respond in Florida?
20 days from service to file your Answer with the court. This is a strict deadline.
What is the statute of limitations in Florida?
5 years for written contracts including credit cards. 4 years for oral contracts.
What is the FCCPA?
The Florida Consumer Collection Practices Act provides additional protections beyond the federal FDCPA. It prohibits many deceptive collection practices and allows consumers to recover actual damages plus attorney fees.
Can they garnish my wages in Florida?
If you are head of household and provide more than half the support for a dependent, your wages are completely exempt from garnishment. This is one of the strongest protections in the country.
What courts handle debt lawsuits in Florida?
Small claims up to $8,000, county court up to $50,000, and circuit court for larger amounts.
Reviewed by [Attorney Name], Esq. Last updated March 2026. This information is for educational purposes and does not constitute legal advice.
Get Help With Your Florida Debt
Our attorneys negotiate with collectors in Florida to reduce what you owe. Free consultation — contact us today.
Free case review. No obligation. No upfront cost.