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household charging off


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can household (retail services) refuse payment then send to "charge-off" to be sold?

dw has old account from previous marriage that was supposed to have been paid off after house was sold. we have learned the account is in arrears 6 mos., and when she called to make arrangements to bring it current, she was told "we've already sent it to charge-off and can't do anything about it" (supervisor).

we are trying to get a loan on the house. what now?

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