If a credit card company has charged off a debt can a collection agency legally try to collect the debt and if so what can they do?
Yes. A charge off does not mean the debt is not valid and fully
comllectible. Collectors will first attempt to recover the monies
owed by traditional means, telephone and written correspondence. If
such action is not successful the collector has the optin of
retaining an attorney licensed in the debtor's state to pursue a
lawsuit. A few major collection law firms (Mann-Bracken is one) are
licensed to arbitrate rather than follow traditional procedures of
filing a lawsuit in the state where the debtor resides. The best
option when faced with legal action is to obtain advice or
representation from a qualified attorney.