How Long Can Creditors Collect a Debt in Florida?

Understanding the Statute of Limitations on Debt

Many people are surprised to learn that debts are not collectible forever. Florida law sets time limits—known as statutes of limitations—on how long creditors can pursue legal action.

Why the Statute of Limitations Matters

If the statute of limitations has expired:

• A lawsuit may be barred
• Collection leverage may be limited
  

Common Misunderstandings

Making a payment or acknowledging a debt may affect timelines or revive the statute of limitations. Understanding how actions impact your situation is important.

Why Old Debts Still Appear

Debt buyers often purchase older accounts and attempt collection. Knowing your rights helps prevent unnecessary pressure.

If you’re being contacted about an old debt in Fort Myers or Southwest Florida, a consultation can help determine whether time limits apply.