Do I have to do probate after death?

My mom died in Florida. I know she had roughly 7k in her bank account when she passed away. She owed around 15k on her credit cards so I haven’t filed anything for the bank account because I didn’t see the point. Is it ok to just not do anything? I don’t want to go thru it all to give it all away to a credit card company. AMEX is trying to call me all the time to get that money.