Everything you need to know about personal loan 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 (written contracts)
$8,018
Avg. personal loan debt in US
Head of household exempt
Garnishment limit
In Florida, personal loan debt falls under written contracts 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 personal loan 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 personal loan debt case:
All Florida Debt Laws
SOL, garnishment, protections for all debt types
Personal Loan Debt Dispute Guide
Strategies, laws, and tips nationwide
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