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This is a great question to ask the LENDER. "Charged off" simply means they have taken a loss for the income they didnt make on the loan. They can still get a judgment for the entire balance due.

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โˆ™ 2011-09-12 21:36:08
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Q: If the repo man is looking for your car is there a way to buy the car from the lien holder for a big discount if it has already been charged off?
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