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  2. What is a credit card charge-off? - AOL

    www.aol.com/finance/credit-card-charge-off...

    Once an account is charged-off, your debt will likely be handed over to a debt collector. If that happens, your credit report will reflect a zero balance on the charge-off, probably with a note ...

  3. Charge-off - Wikipedia

    en.wikipedia.org/wiki/Charge-off

    A charge-off or chargeoff is a declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors make this declaration at the point of six months without payment. A charge-off is a form of write-off.

  4. How Car Loan Charge-Offs Work - AOL

    www.aol.com/car-loan-charge-offs-171400504.html

    With a car loan charge-off, you still owe the debt. If you file for bankruptcy, however, the debt might be discharged or restructured based on your total monthly income.

  5. Did you know the IRS taxes your bank account? Don’t get ...

    www.aol.com/finance/did-know-irs-taxes-bank...

    Bank accounts, investment accounts, credit cards, and mortgages will all have their own unique forms that you must report. If you don’t receive a 1099-INT automatically, that doesn’t mean you ...

  6. Allowance for Loan and Lease Losses - Wikipedia

    en.wikipedia.org/wiki/Allowance_for_Loan_and...

    This credit risk represents the charge-offs that will most likely be realized against an institution's operating income as of the financial statement end date. [1] This reserve reduces the book value of the institution's loans and leases to the amount that the institution reasonably expects to collect. [2]

  7. Call report - Wikipedia

    en.wikipedia.org/wiki/Call_Report

    The call report is divided into a number of schedules as follows: RI—Income statement; RI-A—Changes in bank equity capital; RI-B—Charge-offs and recoveries on loans and leases and changes in allowance for loan and lease losses; RI-C—Disaggregated Data on the Allowance for Loan and Lease Losses [3] RI-D—Income from foreign offices ...