I am aware that a charge off does not mean your debt is no longer owed, but I thought that the original claimant can no longer attempt to collect or sue you for payment
"Charge off" is nothing more than a bookkeeping term describing the removal of the debt from the creditor's balance sheet. It does not make the debt uncollectable. Virtually all debt collection lawsuit cases pertain to debts that have already been charged off.
Creditor would have the right to sue. Creditor could also sell debt to collection agency. It is up to them.
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Yes, but the way in which they are doing it could violate collection laws which might want to compensation. I recommend you were situation checked out for free but a consumer protection attorney soon!
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