Florida · Debt collection defense

Debt collection defense in Florida small claims

Being sued over an alleged debt? Organize your defense.

If a creditor, debt buyer, or collector has sued you in small claims over an alleged debt, you can respond and defend yourself. Common defenses include the debt being past the statute of limitations, the amount being wrong, the plaintiff not proving they own the debt, or the debt not being yours at all. You do not have to face it disorganized.

In Florida, small-claims cases are heard in the County Court (Small Claims division) and you can sue for up to $8,000 (exclusive of costs, interest, and attorney's fees).

Debt collection defense: steps that matter

  1. Read the lawsuit carefully and note your deadline to answer — missing it can cause a default judgment against you.
  2. Ask the plaintiff (in writing, through the court process) to prove the debt: the original signed agreement, a full account history, and a clear chain showing they own the debt.
  3. Check the age of the debt against the statute of limitations below; a time-barred debt is a defense you can raise.
  4. Gather your own records — payments, disputes, and any prior correspondence — and keep them together with the court dates.

Filing your Statement of Claim in Florida

  1. Confirm your claim qualifies and identify the right defendant. Small claims is for demands for money or property not exceeding $8,000 (excluding costs, interest, and attorney's fees) filed in county court. Research the correct legal name of the person or business you are suing and an address where they can be served; the additional time spent identifying the right party can affect your ability to collect any judgment.
  2. Complete and file a Statement of Claim with the clerk of court. Fill out the Statement of Claim form (e.g., Miami-Dade form CLK/CT 333), checking the basis of the claim (goods/merchandise sold, work done and materials furnished, money lent, account stated, written instrument, rent, or other). If the claim is based on a written document (contract, note, lease, receipt), attach a copy. Each party must sign before a deputy clerk or have signatures notarized. File in the proper county (where the defendant resides, where the cause of action occurred, or where the property is located).
  3. Pay the filing fee (or apply for indigent status) and have a summons issued. Pay the clerk's filing fee, which is set by Florida Statutes and varies with the claim amount, plus a separate fee for service. If you cannot afford the fees, submit an Application for Determination of Civil Indigent Status. The clerk then issues a summons/notice to appear for each defendant.
  4. Serve the defendant. The lawsuit cannot proceed until the defendant has been served. Service is made by the sheriff or a certified process server, or by certified mail (return receipt requested). The defendant must be served with the summons and a copy of the Statement of Claim and notified of the pretrial conference date.
  5. Attend the pretrial conference. On the date set in the summons, both parties appear at a pretrial conference. Mediation is typically ordered; if no settlement is reached, the court schedules a trial. Bring all documents supporting your claim.

Filing fees: Filing and service fees are set locally and vary; confirm the current amount with the court. A fee waiver is available if you cannot afford the costs.

Deadline that applies to your debt collection defense

A debt claim usually rests on a contract or account, so the statute of limitations for that kind of debt is the deadline the other side has to sue you. If the debt is older than this window, the limitations period can be a defense you raise.

Oral contract / debt (incl. sale of goods): 4 years (Fla. Stat. § 95.11(3)(j))

Answering a lawsuit: Florida small claims does not require a written answer before the hearing. After being served, the defendant must appear in person at the pretrial conference on the date and time stated in the summons; defenses are raised there.

Serving the defendant: The lawsuit cannot proceed until the defendant has been served with the summons and a copy of the Statement of Claim. Service may be made by the sheriff or a certified process server, or by certified mail (return receipt requested).

Appeals: A motion for a new trial may be filed not later than 10 days after the judgment. Either party may appeal a final small claims judgment to the circuit court; a notice of appeal must be filed within 30 days of rendition of the order, under the Florida Rules of Appellate Procedure (Rule 9.110).

This page is general information, not legal advice, and CaseBySelf is not a law firm. Rules, fees, and deadlines change and vary by court: verify with the specific court where you file. Source: Florida Courts (flcourts.gov) - Small Claims, Florida Courts Help. Last reviewed 2026-06-23.