Whether or not your credit card company has "charged off" your obligation from its accounts receivables does not insulate you from not having to continue making payments on a monthly basis to its attorney.Unless the credit card's attorney advises you in writing that your obligation to the credit card company has been paid in full and you have been provided with a signed satisfaction of the obligation, you will need to continue paying the monthly installments.One option is to write the credit card company's attorney to inquire if the company is willing to provide you with a full satisfaction of your obligation. If it is willing to do so, then your monthly installment payments would cease.Good question.