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"Charge off" is just an accounting term, which has no bearing on who owns it. And, most creditors will "close" the account to new charges when it becomes delinquent. So, unless the account has been "sold to another lender" (and the OC's balance set to $0), the OC still owns it. Deal with them.

Note that when you call some OC's, they will push you off to the CA. If that happens, work your way up the food chain at the OC until you get someone to talk to you. Dealing with a CA is never a good idea...you cannot trust them. Period.

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