Just not true. Give me the jurisdiction because I don’t believe it.
It may be a fact specific case but in general, the debt can be charged off and full amount owed.
I need to see the laws in the Jurisdiction to believe it.
Here is a general statement from a legal website
http://www.nolo.com/legal-encyclopedia/what-is-credit-card-debt-write-off.html
I need to see what Jurisdiction says otherwise and under what circumstances that decision was rendered..because it was surely very fact specific