The best replacement for charge off is settlement.

Лучшие альтернативы к charge off можно упорядочить следующим образом:
★★★★★  settlement
★★★★  collection
★★★★  write off
★★★  bankruptcy
★★  repo
★★  judgement
★  settle
★  repossession
★  write down
★  impairment
★  default
★  collections
★  paid in full
★  paid charge off
  collection account
  delinquency
  charge off
  settled in full
  written off
  debt settlement
  charge-off
  provision
  1099c

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charge off
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