What is the statute of limitations on creditors calling in Florida on a bad debt?

Oral Contracts - 4 years
Written Contracts - 5 years
Promissory Contracts - 5 years
Open End Contracts - 4 years

The statute actually applies to the amount of time that the creditor can take legal action against you, meaning take you to court and sue.

They can continue to call you because the debt is owed forever, but you can send them a Cease and Desist Letter certified mail/return receipt.
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There is NO statute of limitations in any state regarding a creditor calling to collect on a debt, they can call forever!

There is only a statute of limitations on how much time a creditor has to seek legal action in court to collect. Each state has there own time limits.

NOW you can stop them from calling by sending a cease and desist order via usps certified mail/return receipt as outlined under the FDCPA (this only applies to third party collections agencies or any one hired by the original creditor).

You can read about this section of the FDCPA at the link I have posted in the source area. Look up § 805. Communication in connection with debt collection: (c) CEASING COMMUNICATION

If you know the debt is "time barred" or also known as 'beyond statute of limitations" then you can download a sample letter at the following web site for free. You can then send one to the collection agency
http://www.debt-n-credit-letters.com/Deb...

Hope this helps answer your question.
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Dixie is correct but to add just because a debt is at statute of limitation doesn't mean it not collectible it Just means they cant sue you it will still affect your credit and might cause you to have higher interest rates on things such as purchasing car or any thing on credit obtaining credit cards. the other thing is if you want to purchases a house you will have to still pay the account off if trying to refinance the same will need to be done. I am a debt collector I deal with this each day. Best of luck
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Here is something exciting.
Pay your bills then you will not have to worry about creditors pestering you.
BTW even if the the debt they can still call you, as I would. You will have to send a certified letter stating them to stop calling you.

They will call relatives and neighbors. It can be a thing about your reputation aswell.