Mr. Tejes' response makes an important distinction--a violation of the Fair Debt Collection Practices Act gives rise to a claim against the law firm which filed the law suit, not a counter-claim against the creditor itself. The FDCPA applies to collectors, not creditors.

There is an exception to the above--if the creditor bought the account after the account went into default status, then the creditor can be treated as though it were a collector.

Also, be aware that leaving the State of Florida stops the clock from ticking. If you incurred the debt here, but then moved to another State to live, or even go on an extended vacation, the time that you were not in Florida is carved out of the Statute period.