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Yes. A charge off is NOT the dismissal of the debt. It is a term used by creditors to remove the account from their books so it can be listed as a loss on their taxes. The account is then taken over by a collection agency or collection attorney who can recover the debt owed by whatever means neccessary. Which includes filing a lawsuit, being awarded a judgment, enforcing the judgment against wages, bank accounts and any non-exempt property.

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Q: If the credit card company has charged off the full debt can the attorney who claims to directly represent the Credit Card Co sue the debtor?
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