Debt Collection Agency FloridaBusiness (B2B) Debt Recovery
Collecting unpaid business invoices in Florida is usually fastest when you combine a clean evidence pack with firm escalation gates and compliance-aware outreach. Florida also has a well-known debt-collection framework called the Florida Consumer Collection Practices Act (FCCPA), so if your "B2B" file includes a consumer element or personal guarantor, risk and process can change.
General Information Only
This page is general information, not legal advice. Outcomes depend on the facts of the case.
Who This Is For
- CFOs and AR teams with overdue B2B invoices from Florida-based debtors
- Exporters selling into Florida who need a structured handoff and transparent reporting
- Credit controllers managing aged debt (60–180+ days) who want predictable next steps
Florida Recovery Playbook in 90 Seconds
Florida: The Compliance Line You Should Not Cross
FCCPA Framework
Florida's Consumer Collection Practices Act is found at Fla. Stat. §§ 559.55–559.785 and is primarily consumer-focused, so it's important to identify early if any consumer debt or individual debtor is in the mix.
Florida Statutes Chapter 559Registration Requirements
Florida's statutes include a "registration of consumer collection agencies required; exemptions" provision, which is a reminder that vendor compliance checks matter when third parties touch Florida debtors.
Practical takeaway: If there's any personal guarantor/individual involved, treat the file as higher compliance risk.
B2B Focus: This page is about B2B invoices. If a consumer debt, individual debtor, or personal guarantor is involved, compliance complexity increases—recommend counsel review before heavy escalation.
Payment Friction Map (The "Fake Non-Payment" Causes)
A surprising number of "non-paying" accounts are stuck in process rather than refusing to pay.
Vendor onboarding not completed
W-9, vendor form, PO mapping incomplete
Remittance details mismatch
Wrong invoice reference, bank details, entity name
Credit memo offsets not reconciled
Prior credits blocking new payments
Approval chain unclear
AP is not the payment approver
Dispute Triage: How to Stop the Time-Wasting Loop
Force specificity to separate real disputes from delay tactics.
Ask for the exact clause/line item and the written change order history.
Ask for inspection evidence, rejection notice timing, and what would close the dispute.
Produce acceptance proof (email approval, delivery confirmation, usage logs, sign-off).
How the Process Typically Runs (High-Level)
Strength Check
Documents, entity, dispute triage
Amicable Outreach
Professional, relationship-aware, deadline-driven
Learn moreFormal Demand Step
Clear cure date and escalation gate
Negotiation & Closure
Written commitments + remove payment friction
Escalation Review
Only with your approval
Learn moreWhat to Submit (Florida Handoff Pack)
- Contract/terms or accepted quote + PO (if used)
- Invoice(s) + statement of account
- Proof of delivery/performance/acceptance
- Full communication log (emails + call notes)
- Debtor legal entity details + best contacts (AP + decision-maker)
Reporting That Doesn't Waste Your Time
10 Facts You Didn't Know (And/Or Things to Verify) — Florida
Sourced facts from Florida statutes plus operational verification items.
Florida's FCCPA is codified at Fla. Stat. §§ 559.55–559.785.
Source: FL StatutesThe Florida statutes' Part VI covers "Consumer Collection Practices" within Chapter 559.
Source: FL StatutesFlorida's statutes include a "registration of consumer collection agencies required; exemptions" section (important for vendor due diligence).
Source: FL StatutesFlorida's statutes define "consumer collection agency" in the FCCPA definitions section (helpful for scoping whether your file is truly B2B).
Source: FL StatutesVerify whether any individual debtor or personal guarantor is involved (this can shift compliance obligations and tone).
Verify acceptance proof exists (without it, "dispute" becomes the default excuse).
Verify the debtor's legal entity name matches invoicing and payment entity (brand ≠ debtor).
Verify remittance details and invoice references (payment friction creates fake non-payment).
Verify who approves payment priority (AP is rarely the final approver in larger accounts).
Verify internal authority gates (settlement, escalation, legal spend thresholds) before you escalate.
Limitations / When This May Not Work
- •Consumer or personal guarantor involvement: If the debtor is an individual or if personal guarantor collection is involved, FCCPA and federal consumer protection rules may apply, significantly increasing compliance risk. Consult qualified counsel.
- •Debtor insolvency or dissolution: If the debtor entity is insolvent, dissolved, or in bankruptcy proceedings, recovery may be limited regardless of claim strength.
Ready to Recover Your Florida B2B Debt?
Start with a case assessment. We'll review your documentation, verify the debtor entity, and provide a clear recovery plan with transparent reporting.