Here are some good guidelines that I highjacked from another post 
DOFD, DOLA, SOL:
there is also a link somewhere to state resources that can be of assistance.
A ball park way of finding out your DOFD is to look at the origianl account and find out when it went past due and was never caught up. Look for 1 month reporting at 30 days late, the next you have a 60 days late, etc. For SOL you need to be careful to know exactly what FL law is since some states will allow the SOL to be tolled either by resetting the clock or pausing the clock for activites that you make on the account. payments (even partial) and any acknolodgment of the debt being yours. That's the reason to use the letter formats recommended on this site to make sure the language will not toll the SOL.