Hi - I'm in NY. After racking up sizable debt with my ex-fiancee (she: sometimes co-applicant, sometimes authorized user, sometimes just a mooch), we have separated. She refused to contribute $ after the split, so I paid the minimums for as long as I could. (I paid 10s of thousands - she paid zero.) Since then, the accounts have been unpaid, and now list on the credit report as "charged off". I have several questions that I hope you can help with. 1) Can the Charge Off get renewed each month? (It "Charge Off" appears monthly on my credit report.) 2) Does "charge-off" mean that the bank no longer holds the debt? (How do I find out who owns the debt?) 3) Does the Statute of Limitations of NY apply, or of the Bank? (I've read very conflicting info, including a NY case from 2010: http://www.nedap.org/hotline/defenses.html) 4) Can I refer the Collection Agencies to my ex-fiancee? (They don't seem to have her new phone or address.) 5) Would referring my ex-fiancee to the Collection Agency "re-start" the 7-year window? 6) If I settle with the Collection Agencies for a lesser sum, does that benefit my credit? Is there any other benefit? 7) Any other ideas? What would you do? Thanks a ton!