Florida Statute Of Limitations On Debt (2026)
Check A Florida Debt's Statute Of Limitations
Pick the debt type and your last payment or activity date to see whether a Florida debt may be time-barred. Nothing you enter is stored.
How The Florida Statute Of Limitations Works
The Florida clock generally starts on the date of your last payment or activity on the account, not the date you opened it. For most credit cards it runs about 4 years; written contracts run 5, oral agreements 4, and promissory notes 5. Once the Florida period runs out, the debt is time-barred and a collector generally cannot win a lawsuit if you raise the expired statute as a defense.
Do Not Accidentally Restart The Florida Clock
The biggest trap in Florida is reviving an old debt. Making a payment, agreeing to a payment plan, or even acknowledging the debt in writing can reset the Florida statute and give a collector fresh time to sue. Before you pay anything on an old Florida account, find out where it stands.
If You Are Being Pursued On A Florida Debt
Whether a Florida debt is old or current, you have options: raising the statute if it has expired, disputing the amount, or negotiating a settlement to resolve it. If a lawsuit has been filed, respond by your deadline and consider a licensed attorney. CuraDebt does not provide legal or tax advice. There is no cost to check debt-relief options, and there is no obligation to continue. CuraDebt is not a law firm and does not provide legal or tax advice. Results vary and are not guaranteed.
Frequently Asked Questions
What is the statute of limitations on credit card debt in Florida?
In Florida, credit card and open-account debt generally has about a 4-year limit, counted from your last payment or activity. After that it is usually time-barred.
What is the Florida statute of limitations on a written contract?
Generally 5 years in Florida, measured from the last payment or activity. Oral agreements run about 4 years and promissory notes about 5.
Does an old debt disappear after the Florida statute of limitations?
No. A time-barred Florida debt still exists and can appear on your records; the expired statute simply gives you a defense if a collector sues. It can also still be reported for the separate credit-reporting period.
Can paying restart the Florida statute of limitations?
Often yes. A payment, a new written promise, or sometimes even acknowledging the debt can restart the clock, giving a collector fresh time to sue. Check the dates before paying on an old account.
Does CuraDebt give legal advice about the statute of limitations in Florida, and is it a law firm?
CuraDebt does not provide legal or tax advice. There is no cost to check debt-relief options, and there is no obligation to continue. CuraDebt is not a law firm and does not provide legal or tax advice. Results vary and are not guaranteed.
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Related Resources
- National statute of limitations calculator
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