For Florida residents dealing with AFNI Inc on auto loan debt
Understand how the statute of limitations on debt works in every state and how to use it as a defense against collectors. This guide applies the steps specifically to Florida's laws and AFNI Inc's documented collection practices for auto loan debt accounts. In Florida, the statute of limitations on auto loan debt is 5 years and wage garnishment is limited to Head of household exempt.
5 years
Florida Statute of Limitations
$23,792
Average Auto Loan Debt
Head of household exempt
Garnishment Limit
AFNI Inc has a documented record of FDCPA violations. If any of these occur during your Florida collection dispute, document them and file immediately.
Steps customized for Florida law, auto loan debt rules, and AFNI Inc's collection patterns.
The statute of limitations is the legal deadline for a creditor or collector to file a lawsuit to collect a debt. After this period, the debt is 'time-barred' — they can still contact you, but they cannot win in court if you raise the SOL defense.
SOL periods vary by state and debt type: credit card debt ranges from 3 years (MD, NC, NH) to 10 years (RI, WV). Written contracts (personal loans) range from 3 to 15 years (KY). Your state's SOL is listed on the DebtShield state page.
The SOL typically starts on the date of first delinquency — the first missed payment that led to the default. It's NOT the date the account was charged off or sent to collections. Get the exact date from your credit report.
In most states, the SOL can be reset by: making any payment on the debt, making a written promise to pay, entering a new payment agreement, or in some states, even verbally acknowledging the debt. Never pay or acknowledge time-barred debt.
If you're sued on a time-barred debt, you MUST raise the SOL as an affirmative defense in your Answer. If you don't raise it, the court may award judgment anyway. File your Answer on time and explicitly plead the SOL defense.
These strategies apply to auto loan debt specifically. Auto loans are secured debt — the lender can repossess. However, deficiency balances after repossession can be disputed, especially if the sale wasn't commercially reasonable.
Florida Consumer Collection Practices Act governs debt collection in Florida in addition to the federal FDCPA. To file a complaint: AG Consumer Protection.
Key Florida Protections:
In Florida, wage garnishment is capped at Head of household exempt. The following income is protected: Social Security, Wages (if head of household), Workers' comp, Disability, Retirement. AFNI Inc must first obtain a court judgment through proper legal process before any garnishment order can be issued.
The SOL for auto loan debt in Florida is 5 years. Once expired, AFNI Inc cannot win a court judgment even if the debt is real. You must raise the SOL as an affirmative defense in your Answer if sued — never ignore a lawsuit.
Florida Consumer Collection Practices Act applies in Florida alongside the federal FDCPA. Complaints can be filed with AG Consumer Protection. Head of household wages FULLY exempt from garnishment
Send a certified validation letter within 30 days of first contact. Demand the original creditor name and full chain of assignment. AFNI Inc must stop all collection activity until they validate. If they fail to validate, file complaints with the CFPB and AG Consumer Protection.
Generate legally precise dispute letters, cease-and-desist demands, and validation requests built for Florida's specific laws and AFNI Inc's documented tactics. Starting at $9.99/month — cancel anytime.