FL Credit Card Debt

Florida Credit Card Debt Laws

Everything you need to know about credit card debt in Florida: SOL is 5 years, garnishment capped at head of household exempt, and 3 state-specific protections apply.

5 years

SOL (open/revolving accounts)

$5,221

Avg credit card debt

Head of household exempt

Garnishment cap

How to Dispute Credit Card Debt in Florida

Request debt validation under FDCPA § 1692g

Dispute billing errors under FCBA within 60 days

Check if debt exceeds statute of limitations

Negotiate settlement at 40-60% of balance

File CFPB complaint if collector violates FDCPA

Florida State Law

Florida Consumer Collection Practices Act

File complaints: AG Consumer Protection

Relevant Federal Laws

FDCPA (15 USC 1692)
FCRA (15 USC 1681)
FTC Act 5
CFPB Reg F

Florida Consumer Protections

Head of household wages FULLY exempt from garnishment

Unlimited homestead exemption

State debt collection act applies to original creditors

Credit Card Debt Tips for Florida Residents

Never acknowledge debt verbally — it can restart the SOL

Debt buyers often lack original documentation

Average SOL is 3-6 years depending on state

Dispute Credit Card Debt in Florida

DebtShield generates AI dispute letters that cite Florida law (Florida Consumer Collection Practices Act) and federal FDCPA protections.

Generate Florida Credit Card Debt Dispute Letter