FL Medical Debt

Florida Medical Debt Laws

Everything you need to know about medical 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)

$2,459

Avg medical debt

Head of household exempt

Garnishment cap

How to Dispute Medical Debt in Florida

Request itemized bill with CPT codes

Check for No Surprises Act violations

Apply for hospital financial assistance

Dispute errors line by line

Negotiate — hospitals accept 40-60% routinely

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

Medical Debt Tips for Florida Residents

ALWAYS get an itemized bill before paying

Nonprofit hospitals must offer financial assistance

Medical debt has 365-day credit reporting grace period

Dispute Medical Debt in Florida

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

Generate Florida Medical Debt Dispute Letter