Macdaddy - Have not been on for a while, and just

Macdaddy - Have not been on for a while, and just wanted to give you an insight into your question. In order to write off a bad debt, it may be necessary to demonstrate that you attempted to recover all or a portion of it. A lawsuit would be one method, that is public and official. When the judgment is entered, and cannot be collected, then that bad debt can be written off by the creditor.