I had a judgement issued against me in Fla., I later moved to Ga. I am disabled and have no assets and my only income is SS, a few months ago I noticed on my credit report that this judgement was "Charged Off" along with 2 credit card accounts. Does this mean that the judgement is no longer collectible? There is a JDB trying to collect on one of the CC accounts, but I haven't heard back from them since I sent them a DV letter, although they continue to report on my credit report.