I'm asking because something that was included in our bankruptcy was supposedly sold to Sherman Financial.  So, the CC company is saying the debt was sold and that they can in fact leave it as a charge off on our credit reports.  Apparently, Sherman has a history of buying bad debt AFTER bankruptcy has been filed or even discharged.  Do I contact the CC company and ask them?  Or, do I contact Sherman Financial and ask them?  I would be afraid of opening a can of worms if I contacted the CA.