Knowing the timeline between charge-offs and collections can help you take action before the issue gets worse.

Once a credit card is charged off, you might wonder if you can ever get it back. Here's what really happens next.

Yes, a creditor or lender can still sue you after a charge-off, and they often do. That's because a charge-off is primar ...

The short answer is no, your debts don't just vanish after seven years. The money you owe doesn't disappear, and creditors ...

Natalie Campisi is a senior journalist who covers personal finance, balancing timely news with in-depth enterprise reporting. Her mission is to make complex financial issues clear and accessible for ...