Florida · Fla. Stat. § 733.702
Florida Probate Creditor Notice & Death Verification Compliance Guide
Florida probate is conducted in circuit court with creditor claims governed by F.S. Chapter 733. The state emphasizes both publication to unknown creditors and reasonable diligence to identify reasonably ascertainable creditors (§ 733.2121)—a diligence standard that affects how fiduciaries document search efforts.
Informational only — not legal advice. Rules vary by court; consult a licensed attorney in this jurisdiction.
Last reviewed: May 17, 2026
Quick summary
In Florida, creditors generally must present claims within 3 months from first publication (30 days from actual notice for served creditors), as commonly cited under Fla. Stat. § 733.702. Personal representatives should publish or serve notice as required by state law, notify known creditors directly, and maintain records of search and notice efforts.
Who uses this
Operational reference for professionals who need creditor-notice context and documented obituary search—not a substitute for legal counsel or formal court filings.
- Probate attorneys
- Estate administrators
- Creditors & collections teams
- Private investigators
- Fiduciaries & personal representatives
State-specific procedural notes
- —Florida's three-month claim period from first publication is relatively short compared to many states.
- —Reasonably ascertainable creditors (§ 733.2121) require actual notice—document diligence to identify them.
- —Creditors served with actual notice may have only 30 days to file claims.
- —Formal notice and obituary monitoring serve different purposes; both may support a diligence narrative.
Official court resources
Court structure
Florida circuit courts handle probate by county. Miami-Dade, Broward, Palm Beach, Hillsborough, and Orange counties see high filing volumes with county-specific administrative orders and e-filing through the Florida Courts E-Filing Portal.
Use Florida Courts E-Filing Portal where required; review county administrative orders for local notice procedures.
Creditor notification requirements
Creditor notice in Florida usually combines publication to unknown creditors with direct notice to known or reasonably ascertainable creditors. The claim window referenced in Fla. Stat. § 733.702 often runs from the first publication or another triggering event defined by statute.
Known creditors
Mail or deliver actual notice to creditors identified from the decedent's records, bills, and financial statements; retain copies and mailing proofs.
Unknown creditors
Publish notice as required for creditors who are not known at the start of administration; retain publisher affidavits when available.
Publication: Review Fla. Stat. § 733.702 and local court rules for approved publication venues, timing, and proof-of-publication requirements.
- Fla. Stat. § 733.702
Claim deadlines
| Requirement | Typical window | Citation |
|---|---|---|
| Creditor claim period | 3 months from first publication (30 days from actual notice for served creditors) | Fla. Stat. § 733.702 |
| Direct notice / publication timing | 30 days from service of notice on known creditors | Fla. Stat. § 733.702 |
Calculate the exact deadline from the triggering event in your matter (publication date, letters date, or death date as applicable).
Documentation standards
Notice documentation
Records fiduciaries often maintain in Florida matters:
- Copies of published notice with publication dates
- Proof of mailing or service on known creditors
- Spreadsheet of known creditors and notice status
- Clerk filings relating to notice to creditors
Search and monitoring documentation
Evidence that supports a diligence narrative (informational—not a guarantee of compliance):
- Timestamped obituary monitoring logs
- Negative search certificates when no obituary is found
- Notes on funeral home and newspaper sources reviewed
- Matter timeline aligned to claim deadlines
Obituary verification & diligence
Public obituaries may appear before formal creditor notice is complete. Monitoring can help fiduciaries learn of deaths and related publications while maintaining separate compliance with Fla. Stat. § 733.702.
A repeatable workflow—formal notice plus documented obituary searches—can help demonstrate reasonable diligence if creditor notice is later questioned.
Retain publisher affidavits or clerk confirmations required under Fla. Stat. § 733.702 and local Florida court practice.
Death verification intelligence
Florida — court-ready search records
Organized monitoring logs, timestamped audit exports, and certificates of diligence that document obituary search effort alongside formal notice filings. Illustrative samples—not customer data. Does not replace statutory notice requirements.
Certificate of Diligence
Affidavit of Reasonable Search Effort
Report ID: OM-2026-8842
Subject
Robert J. Martinez
Dallas, TX
Monitoring
57 days · 648 scans
Match · 94% confidence
Sources searched (sample)
- Dallas Morning News · Legacy.com TX
- Forest Park Funeral Home · Dignity Memorial
- + 2,843 additional publishers in scope
Statute cited: Texas Estates Code § 308.051
sha256:e3b0c442…a495991b
PDF + audit logAudit log export
OM-2026-8842-AUDNegative-search ready
Same export format documents continuous scans when no obituary publishes—proof of diligence, not absence of effort.
Verification hash · CSV · PDF bundle
Negative search certificate
OM-2026-01-4421Subject
Margaret E. Thompson
Houston, TX
0
Matches found · 99.7% confidence
90 days continuous monitoring · 2,160 scans logged
- Houston Chronicle · Legacy.com TX feed
- Forest Park FH · Dignity Memorial network
- Hospital memorial pages · regional weeklies
Proves diligence when no obituary published—not absence of search effort.
sha256:9f86…a495
PDF + CSV audit logRelated death verification & probate resources
This topic connects obituary monitoring, probate timing, and exportable diligence—follow the cluster that matches your role.
County probate guides
Local court and publication context for major jurisdictions in this state.
Palm Beach County
15th Judicial Circuit Court
Miami-Dade County
11th Judicial Circuit Court
Broward County
17th Judicial Circuit Court
Hillsborough County
Thirteenth Judicial Circuit — Hillsborough Probate
Orange County
Ninth Judicial Circuit — Orange Probate
Pinellas County
Sixth Judicial Circuit — Pinellas Probate
Duval County
Fourth Judicial Circuit — Duval Probate
Lee County
Twentieth Judicial Circuit — Lee Probate
Funeral home directory
Sources referenced
Informational citations only—not legal advice. Verify current law and local court rules.
- Fla. Stat. § 733.702 (creditor claims)
- Fla. Stat. § 733.2121 (reasonably ascertainable creditors)
- Florida Courts
- Florida Statutes — Senate
Florida probate FAQ
What is the creditor claim period for Florida probate estates?
Under Fla. Stat. § 733.702, creditors generally must present claims within 3 months from first publication (30 days from actual notice for served creditors). Local court rules and case facts can change how that window is calculated, so verify timing against the letters issue date and notice publication record for each matter.
How are known creditors handled in Florida?
Personal representatives in Florida should provide actual notice to creditors whose identities are known or reasonably ascertainable from estate records, in addition to any required publication. Document who was notified, how, and when.
What publication is typically required for notice to creditors in Florida?
Many Florida estates require notice to unknown creditors through publication in an approved newspaper or other channel defined by state law and local practice. Confirm the correct publication venue with the probate court clerk for the county where the case is filed.
Can obituary monitoring support diligence documentation in Florida?
Obituary monitoring can help maintain a timestamped record of searches across funeral home sites, newspapers, and aggregators—useful when assembling evidence that a fiduciary monitored public death notices during administration. It does not replace formal notice procedures required by Fla. Stat. § 733.702.
What records help demonstrate search diligence in FL probate?
Organized logs showing monitoring dates, sources reviewed, parameters used, and results (including negative searches) can support a defensible diligence narrative. Pair monitoring exports with your matter notes and formal notice filings.
Does Florida allow informal or simplified estate procedures?
Florida may offer small-estate affidavits, summary administration, or other streamlined paths depending on asset type and value. Those procedures have separate notice and timing rules—confirm eligibility before relying on abbreviated workflows.
Is there a separate deadline for creditors who receive direct notice in Florida?
Florida may impose additional timing rules for creditors who receive actual notice (Fla. Stat. § 733.702). Compare the published-claim window (3 months from first publication (30 days from actual notice for served creditors)) with any direct-notice period (30 days from service of notice on known creditors) for each creditor.
Should Florida fiduciaries search digital obituary sources?
Courts and practitioners increasingly expect fiduciaries to review digital obituary channels—not only print legal notices—when identifying deaths and potential creditor issues. A documented monitoring workflow can help show that digital sources were considered during Florida administration.
Organize obituary monitoring evidence
ObituaryMonitor can help maintain timestamped search records designed for probate workflows—not a substitute for formal creditor notice.