Hello, i am fairly new to the fico family so a little advice would be great. My dad has been ill for the past 2 1/2 to 3 yrs and passed away in mid November 2008. So some obligations have been ignored trying to care for my dad and work at the same time. Completely my fault. My first question and many more to come is that i had a revolving account for 227.00 to a jewelry store that i just neglected and forgot about and it did not help that they had the wrong address. Pulled my credit reports and noticed that it was charged off, no date of the charge off. It still says that the oc still owns the account for right now. Can some one tell me which would be the best way to handle this. Ofcourse i want to pay it off, but don't know about going at it. Please help. I also have several medical accounts that i would need help with at a later date. Thank you so much