Florida

This page is being prepared. Florida-specific information on debt-collection lawsuits, wage garnishment, bank-account restraints, exemptions, and statutes of limitation will be added here after attorney review. In the meantime, use the general courses and calculators, or request a consultation.

State laws and court rules change. The information below is general and was last reviewed on the date shown. Verify any deadline or rule with the official source cited, or consult an attorney licensed in Florida.

Debt-Collection Lawsuit Basics

TO BE POPULATED. Add: the answer deadline after being served (Florida generally requires a written response within 20 days), the difference between County Court and Circuit Court based on the claim amount, service-of-process rules, and what happens if you do not answer (default judgment).

Sources

Add Florida Rules of Civil Procedure citation
Add Florida Courts self-help resource URL

Wage Garnishment

TO BE POPULATED. Add: Florida's garnishment limits (generally the lesser of 25% of disposable earnings or 30x federal minimum wage under federal CCPA, with Florida's head-of-household exemption), the exemption-claim process, and debts with different rules (child support, taxes, student loans).

Sources

Add Fla. Stat. garnishment citation
Add 15 U.S.C. § 1673 (CCPA)

Bank-Account Restraints and Exempt Funds

TO BE POPULATED. Add: how a creditor restrains a Florida bank account after judgment, which funds are exempt (Social Security, SSDI, VA, and Florida's specific exemptions), and the process and deadlines to claim exemptions to release frozen funds.

Sources

Add Florida exemption statute citation
Add 31 C.F.R. § 212 (exempt benefits)

Statutes of Limitation

TO BE POPULATED. Add: Florida's limitation period for written contracts and credit-card debt (generally 4 years under Fla. Stat. § 95.11(2)(b)), what restarts the clock, and how to raise the defense if sued on a time-barred debt.

Sources

Add Fla. Stat. § 95.11 citation

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General educational information. This is not legal advice and does not create an attorney-client relationship.

Attorney Amy Ginsburg is responsible for the content of this communication.

Information is general in nature and may not apply to your specific situation. Laws vary by state and change over time. Nothing on this platform should be used as a substitute for the advice of a competent attorney licensed in your jurisdiction.