Debt Collection Problems

Debt Collection Laws

Florida Statute of Limitations on Debt Collection

Contract or written instrument and for mortgage foreclosure: 5 years. F.S. 95.11.

The limitations period begins from the date the last element of the cause of action occurred, (95.051). NOTE: The limitation period is tolled (stopped) for any period during which the debtor is absent from the state and each time a voluntary payment is made on a debt arising from a written instrument.

Almost all other actions fall under the 4-year catch-all limitations period, (F.S. 95.11(3)(p)).