Florida Statute of Limitations

Florida Collection Agency Laws

Every Florida Collection Agency may collect files in Fort Lauderdale, Hialeah, Hollywood, Jacksonville, Miami, Orlando, Pembroke Pines, St Petersburg, Tallahassee, and Tampa.

Recover your delinquent accounts through an Florida Collection Agency Service. Florida collection agency services can locate debtors and collect the money owed to your business, practice or facility. Using a Florida collection agency service can save you time and money.

With our custom-designed debt collection system, our collection agency can be more effective in recovering delinquent accounts, after more than 31 days have passed. We offer two ways to collect, which are our contingency method or our low flat fee instead of a percentage.

Following is some important information on Florida state debt recovery laws including: Florida Statutes, Florida Judgments, Florida Garnishments, Florida Interest Rates, and Florida Bad Check Laws.


Interest Rate

  • Legal: 11% or up to 18% maximum contractual rate if so agreed.
  • Judgment: 11%


  • Open Account: 4
  • Written Contract: 5
  • Domestic Judgment: 20 yr duration, if recorded acts as lien on non-homestead real property for 10 yrs; may be recorded for an additional 10 yrs. (Reflects current recording requirements)
  • Foreign Judgment: Same duration as domestic if under F.S. 55.501 et seq.

Initially face value of check plus $25.00 - $40.00, depending upon amount of check, or %5 of value, whichever is greater. If suit is required, after 30 day demand, treble amount in addition to amount owed, bank & court costs & reasonable attorney fees.

FL has opted out of federal bankruptcy exemptions. 100% head of household. Liberal Homestead Exemption - Life insurance proceeds and/or cash value of policy, disability income, pension monies and retirement funds are exempt.

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