Credit report

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mojosmomie

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I pulled my credit report and I have on there a repo of a car. It says involuntary repo.Account charged off/Repossession. 18,195 written off. Does this mean I still have to pay the bank back??? First off I volunartary sent the car back I asked them to come get it and Last thurs. The bank called me and asked if I could send 100. a month until next aug of 2008 and then they would re avaluate my situation to set up another payment. Doesnt a charge off/written off mean i dont have to pay back???? Im totally confused. Why would they put that on my credit report????
 
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