I'm sorry but it still isn't clear to me. Charging off a debt has no real meaning to the debtor. It is an accounting action taken by the creditor and involves their tax issues. It does not mean they have cancelled the debt, which is a different issue altogether.
does that mean they sold it to the debt buyer/collection agency or they sent it to the CA merely so the CA would take action to collect on the GHC owned debt?they said there is no balance and that the bill was sent to collections,
If you owed money to GHC, then there is nothing to recoup from them. If more money was actually taken than you owe them, whether it be held by them or referred to or sold to a CA, then somebody owes you some money. You will have to find out if the debt was sold or simply referred out. If the debt was sold, then GHC owes you money because they no longer owned the debt and as such, had no right to collect on it. If they simply referred it for collections, either the CA or GHC could repay the over payment.
As I said though, I am still not clear who you owed what and if any of the debts were actually sold or simply referred out for collections.

