Oh.....darn, I misunderstood.
If it's the OC reporting the debt AND the judgment.....they might be able to do that. (don't think I've ever seen that happen though)
I would still dispute the DOLA.....that doesn't sound right. Usually a debt's SOL is determined by the DOFD (date of first delinquency). That is the first date (preceding the charge off) in which you were late and the account was never again brought current.
The debt and judgment are 2 different entries on your report.......so IMO they should be treated separately. Hmmm.........may have to look into to that.
In Florida, head of household is protected from garnishments.
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