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How Long Do Creditors Have to Collect a Debt From an Estate in Florida

Title: How Long Do Creditors Have to Collect a Debt From an Estate in Florida?


When a loved one passes away, their debts become an important part of the estate settlement process. In Florida, as in most states, creditors have a limited time frame within which they can collect outstanding debts from the deceased person’s estate. Understanding these time limitations is crucial for both creditors and the personal representative of the estate. This article aims to provide a comprehensive overview of the time limits for creditors to collect a debt from an estate in Florida.

I. Understanding the Probate Process in Florida:

In Florida, the probate process involves the court-supervised administration of a deceased person’s estate. The personal representative, also known as the executor or administrator, is responsible for gathering the decedent’s assets, paying off debts, and distributing the remaining assets to beneficiaries or heirs. The probate process provides an opportunity for creditors to make claims against the estate.

II. Time Limit for Creditors to File a Claim:

Creditors in Florida must file their claims within a specific timeframe. According to Florida law, creditors have three months from the date of publication of the notice to creditors to file their claims. The notice to creditors is typically published in a local newspaper and informs potential creditors about the estate administration.

III. Exceptions to the Three-Month Rule:

While three months is the general rule for creditors to file claims, there are exceptions to this time limit. These exceptions include:

1. Unknown creditors: If the personal representative does not know about a creditor’s claim, they are required to publish a notice to creditors, allowing an additional three months for unknown creditors to come forward.

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2. Unmatured or contingent debts: If a debt is not yet due or is contingent upon a future event, the creditor has up to 30 days after the claim becomes due or is no longer contingent to file a claim.

3. Claims under dispute: If the personal representative disputes a creditor’s claim, the creditor may need to initiate a lawsuit to enforce the claim. This legal action can extend the time frame for collecting the debt.


Q1. Can creditors collect from the deceased person’s family members?
A: No, creditors can only collect debts from the assets of the deceased person’s estate. Family members or beneficiaries are generally not personally liable for the decedent’s debts.

Q2. What happens if the estate does not have enough assets to cover all the debts?
A: The estate is considered insolvent, and the personal representative will follow a specific priority order to pay off debts. Secured debts, taxes, funeral expenses, and administrative costs generally take priority over unsecured debts.

Q3. Can creditors pursue claims after the estate has been closed?
A: Generally, no. Once the estate has been closed, creditors cannot pursue claims against it. However, there are exceptions, such as fraud or misrepresentation, which may extend the timeframe for collecting debts.

Q4. Can creditors contact family members for payment?
A: Creditors have the right to contact the personal representative of the estate to discuss the debt. However, they should not contact family members or beneficiaries directly, as they are not personally liable for the debt.

Q5. What happens if a creditor misses the deadline to file a claim?
A: If a creditor fails to file a claim within the specified timeframe, their claim will likely be barred, and they will not be able to collect the debt from the estate.

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In Florida, creditors have a limited time frame to file claims against a deceased person’s estate. Understanding the time limitations is crucial for both creditors and the personal representative of the estate. By adhering to the probate process and the specific time frames, all parties involved can ensure a fair and efficient administration of the estate.

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