Charged Off

They shouldn't. If a company gives you a charge off, that's saying that they are accepting that they'll never get the money from you and that's that. There's no reason they should be trying to contact you afterward.

You bet ya!
sorry, just speaking from experience here. I am repaying debts now to harrassing collection agencies(or once were harrassing collection agencies until this forum taught me how to deal with them), due to charge offs. so yes, you will definitely hear from them again. Not them directly but a collection agency that they passed the debt on to.
hope this helps, shirley

So they play the hot potato game? Passing your debts to other agencies and so on and so forth. Makes you wonder what kind of lives these morons lead. I could NEVER be a "debt collector."
Hopefully the gvnt will do something about it all soon...

Hi

Welcome all of you to the forums. If a charged off debt is trying to be recovered by the collection agencies, then Statute of Limitations should be taken into consideration.

If the Statutes for legally collecting the debt is past, there should not be any valid reason for the collector to insist you on paying the debt.

Even though the debt is an absolute promise to be paid, if it is past the Statute of Limitations period and the creditor or the collector is trying to force you to pay the debt, you have the right not to fulfill the promise.

Make sure that everyone is familiar with the fdcpa rights.

The information of Statute of Limitations can be a very powerful weapon for you to unburden yourself of the old debt, because there is a limited time in which the creditor or the collection agency can sue. The Statute of Limitation starts from the day the debt or a payment on an open ended account was due. This has nothing to do with how long any negative entry can remain in an individual credit report.

Please read the following link in order to acquire a better idea about your FDCPA rights.

ftc.gov/os/statutes/fdcpa/fdcpact.htm

Regards
Roxette