Florida Statute of Limitations for Debt Collection
In Florida, the statute of limitations for debt collection is 5 years. After this period, a lawsuit based on this type of claim is generally time-barred.
Data last updated: Apr 16, 2026Key Takeaways
- Time limit: 5 years from accrual.
- Statute: Fla. Stat. §§ 95.11(2)(b), 95.11(3)(k).
- Written debts: 5 years. Oral debts: 4 years.
What are debt collection claims?
The time limit for creditors to sue on an unpaid debt. After this period, the debt is time-barred.
Details
Written debts: 5 years. Oral debts: 4 years.
General Florida Rules
Florida's tort reform legislation in 2023 significantly shortened the personal injury statute of limitations from 4 to 2 years. The discovery rule applies to medical malpractice and fraud claims. Florida also has specific statutes of repose for construction defects and products liability.
Other Statutes of Limitations in Florida
Debt Collection in Other States
Frequently Asked Questions
-
What is the statute of limitations for debt collection in Florida?
The statute of limitations for debt collection in Florida is 5 years. Citation: Fla. Stat. §§ 95.11(2)(b), 95.11(3)(k).
-
When does the clock start for debt collection in Florida?
Written debts: 5 years. Oral debts: 4 years.
-
Can the statute of limitations for debt collection be extended in Florida?
In some cases, yes. Tolling provisions may apply for minors, persons with incapacity, or when the defendant is absent from the state. The discovery rule may also delay the start of the statute. Consult an attorney for your specific situation.