What is a “charge off?” If my debt has been “charged off,” can a creditor pursue collection?

When an account is considered uncollectable, a creditor will write it off as a bad debt or “charge off.” Depending on each creditor’s policy, a “charge off” will occur between 90 to 180 days after you become delinquent.
However, a creditor can still pursue collection of the debt after a “charge off” and it will also be reported to the credit bureaus.