The process of removing written-off debt from your credit report is likely a lot more difficult than you'd expect. Nuttawan Jayawan/Getty Images

As household debt continues to climb and serious delinquencies tick higher, more borrowers are confronting an uncomfortable reality: Some of their accounts are now considered "written off" by their lenders. Because that term sounds final, as if the debt is swept away and forgotten, it can lead borrowers to think that the worst is behind them. After all, the creditor has already given up on collecting what's owed . But here's the frustrating reality: A debt write-off doesn't mean the issue disappears for borrowers.

While a debt write-off or charge-off might sound like the end of the line for a debt, it typically just creates a new set

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