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Understanding Creditor Claims in Florida Probate: What You Need to Know

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When managing an estate in probate, addressing creditor claims is a crucial part of the process. Creditors of the decedent may seek repayment for debts, but the process for handling such claims depends on the type of probate administration. In Florida, both formal administration and summary administration have distinct procedures for notifying and addressing creditors. 

 

Summary Administration and Creditors 

 

For smaller estates, summary administration is often used. In this process, the person petitioning for probate may publish a notice to creditors as outlined in Florida Statute 735.2063. This notice informs all potential creditors that an order of summary administration has been entered. If the notice is published, any unknown or unascertainable creditors must file claims within three months of the first publication. Failing to do so bars those claims forever. 

 

It’s important to understand that known creditors should still be notified individually. However, the main takeaway here is that if the notice is properly published and proof is filed with the court, unknown creditors have a very limited window to assert their claims. 

 

Formal Administration and Creditors 

 

In formal administration, a more detailed process applies for notifying creditors. Here, creditors must be given notice either through personal service (for known creditors) or by publishing a notice in a local newspaper for unknown creditors. Florida Statute 733.2121 requires that creditors have 90 days from the first publication to file a claim against the estate. For known creditors who receive the notice directly, they have 30 days to file their claims. 

 

The estate’s personal representative is responsible for managing this process. If creditors fail to file a claim within these timeframes, their claims are waived, and the estate can move forward without addressing those debts. 

 

The Two-Year Time Limit: Florida Statute 733.710 

 

One of the most critical time limits in Florida probate law is the two-year rule established under Florida Statute 733.710. Two years after a person’s death, creditor claims are forever barred. This means that neither the estate, the personal representative, nor the beneficiaries will be liable for any claims brought after this time period—except for a few specific situations, such as mortgages. 

 

This statute is vital to ensuring that estates are not burdened with indefinite liabilities. However, it’s crucial to work with a probate attorney to understand which claims are valid, as some debts, like mortgages, may remain enforceable beyond the two-year mark. 

 

Consult a Probate Attorney for Help 

 

If you are managing an estate with potential claims against a decedent’s estate, it’s vital to understand Florida’s probate laws and timelines. Each case is unique, and the rules for creditor claims can vary depending on the type of probate process being used and the assets involved. Working with a probate attorney can help you navigate the complexities of creditor claims and ensure that you follow the proper legal procedures. 

 

For more information about estate debts and creditor claims, or if you need assistance with a probate matter, contact our office today for a consultation


Click here to schedule a complimentary 15-minute consultation to learn more: This article is a service of a Carina de la Torre.

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