A max-depth, self-paced playbook for consumers and credit pros to handle charged-off accounts that have been sold/resold to debt buyers. Learn how to map chain-of-title, triage debt-buyer scenarios, run ownership-focused validation, dispute inaccurate/duplicate reporting with CRAs, interpret outcomes, and escalate strategically—using a repeatable foldering, tracking, and rounds-based workflow. Educational only; not legal advice.