Everything you need to know about credit card debt in Florida: the statute of limitations is 5 years, garnishment is capped at head of household exempt, and 3 state-specific protections apply to your case.
5 years
Statute of limitations (open/revolving accounts)
$5,221
Avg. credit card debt in US
Head of household exempt
Garnishment limit
In Florida, credit card debt falls under open/revolving accounts with a statute of limitations of 5 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under Florida law.
Credit/Open
5 years
Written
5 years
Oral
4 years
These strategies combine federal FDCPA protections with Florida-specific laws like the Florida Consumer Collection Practices Act.
In Florida, the SOL for this debt type is 5 years — check if your debt has expired.
If a collector wins a judgment for credit card debt in Florida, garnishment is limited to: Head of household exempt.
Florida Consumer Collection Practices Act
File complaints: AG Consumer Protection
These Florida-specific protections apply to your credit card debt case:
All Florida Debt Laws
SOL, garnishment, protections for all debt types
Credit Card Debt Dispute Guide
Strategies, laws, and tips nationwide
DebtShield generates AI dispute letters that cite Florida law (Florida Consumer Collection Practices Act) and federal FDCPA protections. Built for Florida residents with credit card debt.
Generate Florida Credit Card Debt Dispute LetterAuto-cites Florida statutes + FDCPA + FCBA (15 USC § 1666) | From $9.99/mo