OUTSOURCING OR SELLING COUNTY DEBT

Board of County Commissioners · 2026-07-21 · report

Miami-Dade County is considering the feasibility of outsourcing or selling a portion of its outstanding debt. As of July 29, 2025, the total outstanding debt for County Departments was approximately $525 million. The report identifies about $41 million (8%) of this debt as potentially suitable for sale to third-party collection agencies or receivables buyers, excluding citation-related debt due to compliance requirements and constituent best interests. The County Mayor's office, through the Internal Compliance Department's Credit and Collection Section (CCS), prepared this report in response to a resolution adopted on July 16, 2025. The Board of County Commissioners accepted this report on July 21, 2026. Concerns include potential legal risks under the Fair Debt Collection Practices Act (FDCPA) and the loss of direct constituent assistance. CCS will continue to refine internal collection processes.