Florida (FL)
Collection Agencies & Collection Law Firms in Florida
Have unpaid invoices or bad debt owed by a Florida business or resident? We match creditors with vetted collection agencies and Florida-licensed collection attorneys. Free for creditors, no obligation.
Key Florida collection facts at a glance
| Topic | Florida (general rule) |
|---|---|
| Statute of limitations — written contracts | 5 years |
| Statute of limitations — open accounts | 4 years |
| Collection agency license required? | Yes — Florida generally requires third-party collection agencies to hold a state license, registration or bond, at least for consumer debt. |
Florida requires consumer collection agencies to register with the Office of Financial Regulation; commercial collection agencies have a separate registration regime.
These are general rules for orientation only; limitation periods depend on the contract, the type of debt, where suit is filed and events like payments or acknowledgments. Licensing rules often differ for consumer vs. commercial debt and change over time. Confirm with the Florida regulator or a Florida-licensed attorney. This is not legal advice.
Should I use a collection agency or a lawyer in Florida?
For most past-due accounts, a collection agency is the first step: demand letters, calls and negotiated payment plans, usually on contingency. If the debtor disputes the claim, ignores the agency, or the balance justifies litigation, a collection attorney licensed in Florida can file suit in the appropriate Florida court and, after a judgment, use the state's enforcement tools such as garnishment, levies or liens. With a 5-year general window for written contracts, it pays to act well before deadlines approach. See collection agency vs. collection attorney.
What does it cost to collect a debt in Florida?
Agencies typically work on contingency, with rates that vary by debt age, balance and volume; attorneys may charge contingency, hourly or flat fees plus court costs. Read our guide on how much collection agencies charge.
How do I place a Florida account?
Gather your contract or invoices, statements and correspondence (see what to prepare), then submit the form below with Florida preselected. We'll introduce you to partners that handle Florida accounts — including commercial debt and litigation.
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Tell us about your receivables. We'll review and introduce you to vetted agencies or collection attorneys suited to your debt type, size and state.