After a car loan has been charged off as a bad debt can the repo man still recover it?

Yes, the repo man can still recover the vehicle. The term charge off only describes the status of your account with a financial institution. It doesn't resolve that actual lien that the financial institution has on the vehicle. In other Words, your name is on the title but financial institution is the owner/lienholder of the vehicle until the balance on the account has been paid off.