FL Rent & Lease Debt

Florida Rent & Lease Debt Laws

Everything you need to know about rent & lease debt in Florida: SOL is 4 years, garnishment capped at head of household exempt, and 3 state-specific protections apply.

4 years

SOL (oral/implied contracts)

$3,200

Avg rent & lease debt

Head of household exempt

Garnishment cap

How to Dispute Rent & Lease Debt in Florida

Document property condition at move-in/move-out

Challenge security deposit deductions with photos

Dispute excessive lease break fees

Verify landlord followed state notice requirements

Challenge any charges beyond normal wear and tear

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

Rent & Lease Debt Tips for Florida Residents

Take timestamped photos at move-in AND move-out

Most states require security deposit return within 14-30 days

Landlords can't charge for normal wear and tear

Dispute Rent & Lease Debt in Florida

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

Generate Florida Rent & Lease Debt Dispute Letter