What Happens to Debt When You Die in Florida?
Find creditor claim deadlines, notice requirements, and payment priority order. Enter dates to calculate specific deadlines for the estate.
Frequently Asked Questions
In Florida, creditors have 3 months from first publication of notice to file claims against the estate.Fla. Stat. §§ 733.2121, 733.702, 733.705, 733.707, 733.710Verified May 30, 2026 Distributing assets before this period expires can create personal liability for the executor.
Yes. Florida requires publication of a notice to creditors once per week for 2 consecutive weeks in a newspaper of general circulation in the county where probate is filed.Fla. Stat. §§ 733.2121, 733.702, 733.705, 733.707, 733.710Verified May 30, 2026 The notice must include the deadline for filing claims and where to send them.
Yes. Florida requires the executor to mail written notice to all known or reasonably ascertainable creditors within 30 days of appointment.Fla. Stat. §§ 733.2121, 733.702, 733.705, 733.707, 733.710Verified May 30, 2026 "Reasonably ascertainable" includes creditors identifiable through a review of the decedent's records, mail, and financial statements.
In Florida, estate debts are paid in this order: Administration costs (court fees, PR and attorney compensation), Funeral/interment/grave marker expenses (up to $6,000), Debts with federal preference, Medicaid/AHCA claims, and unpaid court fines, followed by remaining claim classes.Fla. Stat. §§ 733.2121, 733.702, 733.705, 733.707, 733.710Verified May 30, 2026 If the estate is insolvent, claims within each class are paid proportionally.
Yes. All claims in Florida are absolutely barred 2 years after the date of death, regardless of whether proper notice was given.Fla. Stat. §§ 733.2121, 733.702, 733.705, 733.707, 733.710Verified May 30, 2026 This absolute bar provides a final cutoff even when the executor did not publish notice or send direct notice to creditors.
The executor is responsible for publishing notice, sending direct notice to known creditors (where required), reviewing and approving or rejecting claims, and paying valid claims in the statutory priority order before distributing assets to beneficiaries. The Florida executor checklist outlines each step in order.
Creditor claims are one phase of estate settlement. The process includes inventorying assets, notifying creditors, paying valid debts, filing tax returns, and distributing remaining assets to beneficiaries. Assets cannot be distributed until the claim period expires. See the full timeline with the Florida estate settlement guide.
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Florida Estate Planning Resources
In-depth guides covering Florida probate laws, trust requirements, and estate planning strategies.
