Dispute medical bills or collections that are incorrect, inflated, or improperly billed. This template is customized for Florida residents with relevant state law citations.
Florida Legal Requirements
Your demand letter should reference Florida-specific laws including FDCPA.
- FDCPA
- Florida Consumer Collection Practices Act - Fla. Stat. § 559
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to Florida small claims court or file a complaint with Florida OFR / CFPB.
The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Medical Debt Dispute FAQs for Florida
What laws protect me in Florida for medical debt dispute?
Florida consumers are protected by FDCPA and Florida Consumer Collection Practices Act - Fla. Stat. § 559. Your demand letter should reference these specific statutes.
What is the small claims limit in Florida?
The small claims court limit in Florida is $8,000. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in Florida?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your Florida Demand Letter
Generate a professional medical debt dispute demand letter tailored for Florida. Our free tool includes relevant state law citations.
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