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smlm1234

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Account closed, charged-off as bad debt, but still allowing the balance to increase?
I have a credit card account that was closed and charged off as bad debt / profit and loss write-off in Nov. 2009. The original charge-off balance was $2,158. The company filed a civil judgement on the account in Aug. 2011. Then, in April 2012, they increased the balance from $2,158 to $3,526. The balance remained at $3,526 until they increased the balance to $4,275 in Nov. 2013. Is the company allowed to annually increase the balance even though the account was closed and charged-off as bad debt via profit and loss write-off? Does filing a civil judgement allow the company a 'legal' way of doing this? I have a few other credit card accounts that were closed / written-off in a similar manner, but none of those had civil judgements filed and none of those have since increased my 'balance'.

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