My credit report has been horrible for years because a creditor automatically charged the amount owed to them off my account. It has been a very big sore spot for me to try and build over. Now years later I am receiving threatening phone calls and sometimes they hang up on me. I am confused.
Can a creditor that has already charged your account off, and has had it on your credit report for years come back later and try to make you pay the account?

Yes, even if charged off, they will must likely sell the account to someone else to collect, if they don't do it themselves. There is a statute of limitation on debt, look if up for your state. Remember if you receive a letter from anyone demanding pay, you must response or they will by default know it will be a valid debt.

Some help at suijuris.net