If a debt on your credit report says 'bad debt write off ...

= If your credit report reports that you have a bad debt write-off, then it means that the original creditor has written off the debt, but they can still sell the rights to the debt to a collection agency and they can contact you and take legal action.

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Answer . The debt will only be removed when it is paid in full. Or when the SOL of the debtors state of residency...

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