A collections/attorney firm filed for judgement against me. It had been in the hands of another collections agency before this attorney. When I called the first collections agency, they told me the debt was "Charged Off" . That it was sent back to the original creditor. When I called the original creditor, (he CC Company) they would not talk to me and kept sending me into an automated voice system for some "Attorney something Network". I left messages there and got nowhere.

What exactly does "Charged off" mean? That they sold the debt and took a tax deduction? Can anyone tell me the difference between Assignment, negotiation or Novation?

Thanks.