In Florida, your homestead is protected against execution by judgment creditors.
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You need to speak to an attorney to discuss the particulars. But if you have been paying (and the creditor has been accepting) $40.00 per month on a regular basis, without a written contract, the creditor may be stuck with that arrangement based on the established pattern.
Again, you need to speak with an attorney that represents debtors.
Good luck to you.