Additional info ...
The original post does not seem to show the notation that this applies to Placer County in the state of California. Thanks again for any advice.
Here's the particulars, and thanks in advance for any assistance or advice offered:
My wife stopped paying a creditcard company on a $15,000 balance over a dispute regarding several thousand dollars in charges.
The company "charged off" this account. A 3rd party purchased the account, and...