What does the Florida Bar use to determine financial responsibility aside from your credit report? I had a charge-off a few years back that falls within the 5 year period in the question. It was removed off of my credit report because it was settled. I was on a payment plan the whole time so I'm not sure if they payments were "late" so to speak so as to trigger the whole financial affidavit or not because i was on time with making my payments under the new payment arrangement. (the debt was charged off while i was on a one year payment plan. I entered the payment plan before the debt was past due at all.) If I don't report it, and it has been settled and removed from my credit report, can the Florida Board still find it?