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  1. Hi All, I am still working on my credit report and I am wondering what to do about a judgment against me and my husband resulting from a lease dispute in Florida. It appears on both of our credit reports and doesn't show up under public records. It's been placed with National Credit Systems and appears under collections. The date of first delinquency reported is 03/2012 and we've been in Texas for 2 years. Can someone tell me which SOL would apply to this-- Florida or the 4 years in Texas? Can I be sued again for this? I'm just trying to figure out how long they have to collect and how to proceed in getting rid of it. It is quite a bit of money so I can not afford to pay it all at once. Any help you can offer at all will be greatly appreciated! And please, if you have an answer to a question that I did not ask that would pertain to this, that is welcome as well. Knowledge is power