If a credit card company writes off your account can you still be sued for a judgment and garnishment?

No! Once a debt it written off that is usually the way it stays, but you didn't get away scott-free. You will be "red tagged" for further credit from many credit card companies. Trying to get a loan for a car or house will be difficult because banking institutions will always do a credit check on you. It is best to try and pay your debts off if you can. Letters to that company that you are trying and you send it what you can afford (even if it takes a few years) are kept on file and you can save your credit this way. In reality, the credit card company could still come after you, but the court costs aren't worth it, so what they end up doing is writing your debt off and passing the higher interest rates off onto other customers. Marcy If a credit card company writes off your account, do you mean wriiten off as bad debt? They might have written it off, but sold it to a collection agency, and that could be trouble.They write it off for tax purposes, but it is still a debt owed. Depending on your state statute of limitations, the collection agency could sue you for a judgment. After that, they would generally execute the garnishment of your wages, or seize and execute non-exempt property.