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  1. Hi all, I have an old debt (about $6000) from a Chase credit card, the collection has been placed with Calvary Portfolio. Calvary has not harassed me about it. Just a letter or two in the last 6 months. I think it is time-barred Last payment was on 9/2010, I'm in Florida. I've read conflicting info on the Florida SOL, either 4 or 5 years. I'd like to repair my credit report and this is the only negative item on it. I can not afford to pay for delete, but would certainly like to start afresh. It is estimated to drop off my credit report on 8/2017. It is worth sending a debt validation r