Florida's five-year rule under Section 95.11 for written contracts resets more easily than most creditors assume, through payments, written acknowledgment, or tolling.
Section 95.11 sets a five-year limitation period for actions on a written contract, which is the relevant clock for most commercial invoices and agreements, though the period differs for other types of claims.
A debtor's partial payment or a written acknowledgment of the debt can reset the limitation clock, meaning a Florida debt that looks time-barred on paper may not actually be, depending on what communication has occurred.
Certain circumstances, such as the debtor being outside Florida or engaged in bankruptcy proceedings, can toll (pause) the limitation period, which is worth checking before writing off an older Florida receivable as unrecoverable.
Everything covered in this video, in full written form, in the complete article.
Read the full guideCreditor's guide to the Florida debt statute of limitations under Section 95.11. Five-year written contract rule, revival triggers, tolling, and B2B tactics.