In Florida, your homestead is protected against execution by judgment creditors.
This response does not create an attorney-client relationship. Unless you are already a client of the Mallory Law Group, pursuant to an executed employment agreement, you should not use, interpret, or rely on this response as legal advice or opinion. Do not act on any information in this response without seeking legal advice. Earl K. Mallory firstname.lastname@example.org (561)743-3708.
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.