spango Posted September 8, 2007 Report Share Posted September 8, 2007 Greetings,If an account has been charged off or closed can you still deal with the oc or do you have to deal with the collection agency?? Not sure where to start. Thank you for all the help in advance. Link to comment Share on other sites More sharing options...
willingtocope Posted September 8, 2007 Report Share Posted September 8, 2007 "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. Link to comment Share on other sites More sharing options...
spango Posted September 8, 2007 Author Report Share Posted September 8, 2007 Thanks for the great information. I have disputed most information but will wait until the results are back and start talking with them. Link to comment Share on other sites More sharing options...
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