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If by "charged off debts" you mean credit cards, check out the statute of limitations for credit cards in your state. You may have a pleasant surprise. In Colorado it's three years. They will try to collect after three years, but you can tell them to take a hike. You only have to let the court know somehow that the debt is beyond the statute of limitations.

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Q: You lost your job of 20 years because of your health you had two heart surgeries this year and have no income can you be sued for debts that are charged off debts?
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