Florida / Second Round Sub / Medical Debt Dispute Second Round Sub Medical Debt in Florida Second Round Sub is collecting medical debt in Florida where the statute of limitations is 5 years . Average medical debt: $2,459. Garnishment limit: Head of household exempt.
5 years
Statute of Limitations
$2,459
Average Medical Debt
Head of household ex
Garnishment Limit
Known Second Round Sub Violations Collecting debts they cannot substantiate Failing to cease collection after dispute Inaccurate credit bureau reportingDispute Strategies 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% routinelyFlorida 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