Hello again, after my 3rd letter mailed out on 5/22/12, lots of threats, but all has been quiet for about 2 months. My online banking states that the account balance is $0.00. I have not received a statement in the mail reflecting the 0 balance so I looked on my credit report and it says that the account was charged off, but I have not been contacted by any other creditor in regards of the account. ((*note: my account is a collateral account involving my car, 2008 Honda Civic with $9,000 left on the note which now says 0 balance, can they still repo my car?)) thank you so much for your help.