Dispute Financial Management Systems Utility Debt in Florida

Financial Management Systems is collecting utility debt in Florida where the statute of limitations is 5 years. Average utility debt: $800. Garnishment limit: Head of household exempt.

5 years

Statute of Limitations

$800

Average Utility Debt

Head of household ex

Garnishment Limit

Known Financial Management Systems Violations

Adding unauthorized collection fees
Misrepresenting urgency of payment
Failing to provide proper validation notice

Dispute Strategies

File complaint with state Public Utility Commission
Request billing audit and meter verification
Apply for utility assistance programs (LIHEAP)
Dispute estimated vs actual billing
Challenge reconnection fees if disconnect was improper

Florida Protections

Florida Consumer Collection Practices Act. File complaints with: AG Consumer Protection.

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

Florida Laws Financial Management Systems Utility Debt

Dispute Now — $9.99/mo