Florida's FCCPA governs collection conduct, but B2B creditors need to understand where it applies and where Chapter 55-77 enforcement mechanics take over instead.
The Florida Consumer Collection Practices Act is built around consumer protection, so a Florida collection agency working a B2B file operates under a narrower set of restrictions than it would on a consumer account.
Florida's limitation period for written commercial contracts determines how long a creditor has to file suit, and that clock typically starts running from the date of breach, not the invoice date.
Once a judgment is obtained, Florida's statutory framework under Chapter 55-77 controls how it gets enforced, from writs of execution to garnishment, and understanding this in advance shapes how aggressively to litigate.
Everything covered in this video, in full written form, in the complete article.
Read the full guideHiring a Florida collection agency? Here's what the FCCPA actually covers for B2B debt, the statute of limitations, and enforcement under Ch. 55-77.