"Charge Off" is just an accounting term. It has nothing to do with whether the money is owed or not. In this case, the debt is definitely active....

Can a payday loan do an arbitration without me?

It's a scam. Don't talk to them any more than you have to, and absolutely don't make any promises or give them any personal information. This...

What does it mean you are not eligible for a discharge because you filed a chapter 7 two years ago?

It is true that someone who filed a chapter 7 less than 4 years earlier is not eligible to discharge his debts in a new chapter 13 case. However,...

Can I get my money back?

Legally this is your debt, so the credit card company has the right to sue you. In fact, it sounds like you are the only one they can sue. You...

What can I do if the status of limitation has expired on a judgment and the creditor has put a garnishment on your check

Adding to the previous answer, once they have taken a judgment the statute of limitations no longer has any effect. Basically, the statute of...

What can be done when one divorced party files bankruptcy and both parties names are on the house still?

Unfortunately, this is a very common problem. I take it that your husband got the house in his divorce, and that the plan was for him to refinance,...

Can I sell my car after chapter 7 bankruptcy ?

We need a lot more information before we can answer this question. Is there a lien on the car, or do you own it free and clear? Is there any chance...

My garnishment stopped on my check but I still owe. How long does it take before they start it again?

It's entirely up to them. You have to assume that if they already set up one garnishment, and if you are still working for the same employer, that...

How do I collect attorney and court fees from the defendant?

If there was a money judgment taken against this person, then it's already being reported to the credit reporting agencies. The court clerks take...

About a collection debt

You don't absolutely have to go to court, but if you aren't there they will take a judgment against you, which is the last thing that you want to...