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Okay to offer this


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Well, charge off is immaterial, like I said. OCs throw that at you like it really meant something, but, actually all it means is that they will move it to the "charge against income for tax purposes" category on their books. They still own it...you still owe it.

They may send it to a CA...do the DV tap dance with them so you can buy some time. When you've got money to settle with...call BofA and make the offer directly to them. Having the CA in the middle will just muddy the waters. They cannot speak for BofA.

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