December 2, 2023

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Medical debt is a reality for many people across the country. In Florida, medical debt collection laws regulate how healthcare providers and facilities can go about collecting unpaid medical bills. These laws are in place to protect patients and ensure that they are not subjected to unfair debt collection practices.

In this article, we will explore Florida medical debt collection laws in detail, including the types of debt collection practices that are prohibited and the legal remedies available to patients. We will also include a FAQ section at the end of this article to help readers better understand their rights and obligations under the law.


Types of Medical Debt Collection Practices Prohibited under Florida Law:

Florida law prohibits various types of medical debt collection practices. The practices that violate Florida’s medical debt collection laws include:

1. Harassment of debtors: Medical debt collectors are not allowed to use techniques that harass debtors. They cannot make repeated phone calls, send threatening letters, or use foul language. They cannot threaten to sue, file liens on property, or garnish wages unless they have the legal right to do so.

2. False or misleading statements: Medical debt collectors cannot make false or misleading statements to debtors. For example, they cannot claim to be attorneys or government officials, threaten to arrest debtors, or give false information about the amount or status of the debt.

3. Deceptive or unfair practices: Medical debt collectors cannot use deceptive or unfair practices to collect debts. For example, they cannot charge exorbitant fees, threaten to take legal action without the intent to do so, or contact debtors outside of reasonable hours or locations.

4. Reporting false or inaccurate information to credit bureaus: Medical debt collectors cannot report false or inaccurate information to credit bureaus. They are required to provide accurate information about the debt, its status, and the debtor’s payment history.

Legal Remedies Available to Patients:

Florida law provides several legal remedies for patients subjected to medical debt collection practices that violate the law. These remedies include:

1. Damages: Patients can sue debt collectors who violate Florida medical debt collection laws for damages. Damages can include actual damages incurred as a result of the debt collector’s actions, such as loss of wages, loss of credit, or loss of property.

2. Attorney’s fees and costs: Patients can also recover attorney’s fees and costs incurred in suing debt collectors who violate the law. This is meant to incentivize lawyers to take on these cases without burdening patients with the cost.

3. Injunctions: Patients can seek injunctions from the court to stop debt collectors from engaging in certain practices that violate the medical debt collection law.


Q: I received a medical bill, but I cannot afford to pay it. What should I do?

A: If you cannot afford to pay a medical bill, it is important to communicate with the healthcare provider or facility and explore your options. Often, medical providers offer payment plans or financial assistance for those who cannot pay their bills in full. It is always better to communicate with the provider than to ignore the bill, as that can lead to collection actions.

Q: Can debt collectors call me outside of reasonable hours?

A: No, debt collectors cannot call you outside of reasonable hours, which are generally between 8 a.m. and 9 p.m.

Q: Can debt collectors threaten to sue me for unpaid medical bills?

A: Debt collectors can threaten to sue for unpaid medical bills if they have the legal right to do so. However, they cannot threaten to sue unless they actually plan to do so.

Q: What if I suspect that a debt collector is violating Florida’s medical debt collection laws?

A: If you suspect that a debt collector is violating Florida’s medical debt collection laws, it is important to document the violations and contact an experienced attorney who can advise you on your legal rights and options.


Florida’s medical debt collection laws provide important protections for patients who owe medical bills. Healthcare providers and facilities must abide by these laws to avoid facing legal repercussions. Patients who are subjected to unfair or illegal debt collection practices can seek legal remedies to hold debt collectors accountable and protect their rights. By understanding their rights under the law, patients can make informed decisions and navigate the healthcare system with confidence.

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Article Summary:

Florida medical debt collection laws protect patients from unfair debt collection practices. Medical debt collectors are prohibited from harassing debtors, making false or misleading statements, using deceptive or unfair practices, and reporting false or inaccurate information to credit bureaus. Patients can seek legal remedies such as damages, attorney’s fees and costs, and injunctions if they are subjected to illegal collection practices. Patients who owe medical bills should communicate with healthcare providers to explore their options and seek financial assistance or payment plans. By understanding their rights under the law, patients can protect themselves from unfair debt collection practices.

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