Florida Debt Collection Experts
Supporting Florida businesses with ethical, effective debt recovery since 1996.
An Overview of Florida Debt Collection Laws
Collection laws in Florida are complex and unique, so it makes sense to work with a collection agency with a deep understanding of both state and federal laws. Summit A•R is a professional collection agency, and debt collection is all we do, giving you a better chance to recover what you’re owed.
Interest Rates
| Legal | Contractual or see Judgment rate |
| Judgment | |
| Set annually on December 1, March 1, June 1, and September 1 of each year. Current and prior judgment rates, as determined by the Chief Financial Officer of Florida, are available at https://myfloridacfo.com/division/aa/audits-reports/judgment-interest-rates | |
Statute of Limitations
| Written Contract | 5 years |
| Domestic Judgment | 20 years renewable |
| Foreign Judgment | 5 years |
General Garnishment Exemptions
Disposable earnings of a head of a family, which are greater than $750 a week, may not be attached or garnished unless such person has agreed otherwise in writing. The amount attached or garnished may not exceed the amount allowed under the Consumer Credit Protection Act.
Disclaimer: While we strive to keep our state resource data accurate and up-to-date, the information contained on this page is provided without any warranty (expressed or implied), and should not be considered legal advice. We assume no liability for its use.
Our Collection Services
Florida businesses often manage high transaction flow, seasonal demand swings, and multi-party billing structures. It’s common for invoices to stall when projects shift, patient balances linger, or out-of-state clients delay payment. With more than three decades in debt collection and recovery rates that consistently outperform the industry average, we get overdue accounts moving.
Collection Services Covering Every Corner of Florida
It’s important to choose a collection agency that can offer you personalized attention, a proven track record, and a collection process based on a Preserve Human Dignity (P.H.D.) philosophy. We service all of Florida’s major cities, including Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, St. Petersburg, Hialeah, Tallahassee, Port St. Lucie, Cape Coral, Pembroke Pines, Hollywood, Gainesville, and West Palm Beach.
Industries We Support
No two industries bill the same way, and no two overdue accounts behave alike. Summit tailors our recovery approach to the realities, regulations, and pressures each industry faces, so resolution feels practical, not forced. We apply a proven approach to debt recovery across industries, including:
Frequently Asked Questions About Debt Collection in Florida
Collection agencies operating in Florida must follow federal law under the Fair Debt Collection Practices Act, which sets strict rules around communication, disclosures, and consumer protections. At the state level, oversight comes from the Florida Office of Financial Regulation, which handles licensing and enforcement. Together, these frameworks ensure agencies operate transparently, avoid deceptive practices, and follow clear compliance standards when pursuing debts.
Ignoring a debt collector does not make the obligation go away. The account may continue through the collection process, which can include additional contact attempts, credit bureau reporting, or escalation to legal review. If the debt remains unresolved, the creditor or agency may pursue a lawsuit within the applicable statute of limitations. Addressing the account early often leads to more flexible resolution options and helps limit long-term financial and legal impact.
You should consider placing an account once it reaches 60 to 90 days past due and internal follow-ups have stalled. At that point, response rates drop and recovery becomes less likely. Early placement helps preserve momentum, improves recovery outcomes, and frees your team to focus on active revenue-generating work.
An experienced agency brings structure, consistency, and compliance that internal teams often can’t maintain at scale. You gain access to trained professionals, advanced skip tracing, and proven communication strategies. This leads to faster resolutions, higher recovery rates, and reduced legal or regulatory risk.
Yes. Accounts are handled based on factors like balance size, age, debtor profile, and industry context. A tailored approach may include call sequencing, written notices, credit bureau reporting, or escalation to legal review. This flexibility improves recovery performance while aligning with your brand and client relationships.
Debt collection in Florida is shaped by a combination of federal law, state statutes, and court procedures that directly impact how and when accounts can be pursued. The Fair Debt Collection Practices Act governs communication standards, required disclosures, and prohibited practices such as harassment or misleading statements. At the state level, the Florida Consumer Collection Practices Act expands on these protections and applies to both third-party agencies and original creditors.
Most agencies require basic documentation, including debtor contact details, invoices or contracts, and a clear account history showing attempts to collect. Accurate, complete information allows for faster validation, compliant outreach, and more effective recovery from the outset.
Debt Collection Services in the Sunshine State
Our experienced collections specialists provide the best of both worlds: collection rates up to double the industry average, but with a delicate touch to protect your company’s relationships and good name. Schedule a free no-obligation consultation and learn how Summit A•R can put your balance sheets back in the black.
