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DebtShield

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FL Debt Laws

Florida Debt Collection Laws

Know your rights in Florida. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

5 years

Credit card SOL

5 years

Written contract SOL

Head of household exempt

Garnishment limit

Florida Collection Law

Florida Consumer Collection Practices Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Florida

Social Security
Wages (if head of household)
Workers' comp
Disability
Retirement

Key Florida Protections

Head of household wages FULLY exempt from garnishment
Unlimited homestead exemption
State debt collection act applies to original creditors

Federal Laws (Apply in Florida)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Florida Debt Dispute Letter

DebtShield auto-cites Florida laws + FDCPA