If an account has been charged off can you expect a garnishment

I'm not sure what you mean by bad bankruptcy, but I presume you mean it was dismissed.  "Charge off" means that the credit grantor wrote your account off of their receivables as a loss, and it is closed to future charges. When an account displays a status of "charge off" it means the account is closed to future use, although the debt is still owed.  So, yes, they can still get a judgment if the statute of limitations has not run out, they can still renew their judgment if they received one already, and they can garnish your wages or levy your bank account.