Legal Question in Credit and Debt Law in Florida

A creditor can take you to court for any amount they deem appropriate. The dollar amount of the claim against you controls which court the claim must be filed in, but the creditor can sue you regardless of how little or how much is owed.

If they get a judgment against you they can pursue garnishment actions. You may have defenses to a law suit and you may have exemptions to garnishment, but that can not be determined without a review of your specific situation.

However, in Florida a creditor can only garnish your wages and bank accounts AFTER they obtain a judgment in a court of law. The exception to this would be the IRS.