Hi--me again! I had an account with home depot that charged off. It never went to a collection agency but for the past few months, I have been sending them a payment every month. I have still yet to hear from them. Before last month, I sent money orders but decided to start sending checks so that I could see that they were cashed. well, after sending a check to them last month, its still yet to be cashed. so now, I'm not even sure whats happened with the past money orders that I've sent.