I believe Rhode Island has a 10 year SOL on open accounts, however a lot of creditors use choice-of-law provisions that would perhaps give you grounds to invoke the shorter SOLs of other states, or even argue that the contract is rendered ambiguous with regard to SOL by not specificially referencing the SOL if Rhode Island is not a choice of law state that would automatically apply the other state's SOL. Ambiguities in contracts are construed against the drafter...

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"No one would have believed ... that this world was being watched keenly and closely by intelligences greater than Man's ... Yet across the gulf of space ... intellects vast and cool and unsympathetic ... regarded this earth with envious eyes, and slowly but surely drew their plans against us." - H.G. Wells, The War of The Worlds, describing how Martian JDBs think about Earthling debtors

Incorporate or form an LLC in Florida

Will do...just note sure where they'll file it since there's no case number.

I'm looking in the RI General Laws and Civil Procedures as we speak. Thanks!

It's actually 4 - 10 is a misconception that is unfortunately repeated all over the web.
6A-2-725

CapOne uses Virginia (3) and WAMU uses NH (also 3)...after that you lost me.