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  1. I recently received a letter from Phoenix Financial Services notifying me on their intent to collect on some old medical debt. The accounts were previously handled by a different collections agency, and I noticed that out of the blue the accounts dropped from my credit report I check weekly. I also noticed that my FICO score provided by my Discover card went up 90+ points after the collections fell off my report. The date of service for each of the debts listed in the letter range from 05/20/2011 to 07/08/2011. I live in the state of Florida and here the statute of limitations is either 4 or 5