Question 1

What happens if I ignore a debt lawsuit in Florida?

Accepted Answer

If you don't respond within the deadline (generally 20 days after service), the court can enter a default judgment. That can lead to wage garnishment, bank levies, and liens — even if you had real defenses.

Question 2

Can a debt collector sue me?

Accepted Answer

Yes. Both original creditors and debt buyers regularly file collection lawsuits in Florida county and circuit courts. Being sued does not mean the case is winnable for the plaintiff.

Question 3

What defenses exist against credit card lawsuits?

Accepted Answer

Common defenses include lack of standing, missing assignment, broken chain of title, statute of limitations, account stated challenges, and inadmissible affidavits — among others.

Question 4

What is the statute of limitations for debt in Florida?

Accepted Answer

Generally 5 years on written contracts and 4 years on open accounts, but the analysis depends on the specific facts. Speak with an attorney before assuming the limitations period has run.

Question 5

Can debt buyers prove ownership of my debt?

Accepted Answer

Often the documentation is incomplete. Missing bills of sale, pool-level assignments, and conclusory affidavits frequently fail when properly challenged.

Question 6

What is the FDCPA?

Accepted Answer

The federal Fair Debt Collection Practices Act prohibits abusive, deceptive, and unfair practices by third-party debt collectors and provides statutory damages plus attorney's fees.

Question 7

What is the FCCPA?

Accepted Answer

The Florida Consumer Collection Practices Act expands consumer protections under state law and reaches both original creditors and third-party collectors.

Question 8

Can collectors harass me?

Accepted Answer

No. Repeated calls, threats, contacting third parties about your debt, or contacting you at work after being told to stop can all violate state and federal law.

Question 9

Can my wages be garnished?

Accepted Answer

Florida limits wage garnishment, and head-of-household status can provide significant protection. We routinely defend against garnishment after judgment.

Question 10

Should I consider bankruptcy?

Accepted Answer

Sometimes. Bankruptcy is one option, but litigation defense may resolve the case on better terms without the long-term implications. We help you compare both.

Question 11

How fast should I respond to a lawsuit?

Accepted Answer

Immediately. The 20-day Florida response window passes quickly, and once a default is entered, undoing it is far harder than answering on time.

Florida debt defense — answered.

Don't face debt collectors alone.