can you file debt consolidation on accounts that have been charged off.

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Trying to get back on track for 09.

From what I've found from research, I'm afraid not. Once a debt is charged off it is no longer with the creditor and is now in collections either internally or externally.

This is a good time to try to settle if you can raise a lump sum. depending on the collector, you could save a substantial amount. look around as there's plenty of really good do it yourself info.

good luck

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Yes you most definately can. Normally when it is charged off it is either placed with a CA or sold to a JDB. You can still do a dmp with accounts in collections or sold off.

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