Calls several time no response when I pick up but can hear back ground noise then they hang up. I just called back call answered without company name looking for someone who used to live here which leads me to belive it is a collections issue as we get those calls all day for that person.
These people keep calling. I now know they are a debt collecter from the post on this sight. Thank you for that, but these people need to stop calling me. Do to unfortunate accidents my husband is disabled and this account was written of over two years ago but yet sold to another company. These people have no heart and are rude and obviously have not had a tradgedy happen in their life and need to back off . I had great payment records before the accident and excellent credit, a home that was five years away from being ours and lost it. I am not one to run from my debts and they can very well see that on my past credit. I do not need the harassment and do not want a free ride, but if it was already written off and ruined my credit and devasted my pride - and written off why are they calling me? Don't answer if you are in the same position no matter what caused it. Written off means written off. What's up with that? Seems like they are trying to get the best of both worlds! Jerks!!!
Charged off means the original lender sold your account into collections. You owe a debt, being destitute doesn't absolve you of all obligations to your credit card provider or the account you signed on for. Negotiate a good deal, don't run a sob story.