Re: charge off?
7 years from date for first delinquency according to TX law is the max time they can report. Others may argue it is 7.5 years for FCRA, but all mine have always fallen off at 7 years. If it is not off automatically, you would dispute them as "obsolete". If you start paying, you get a whole new SOL for collection, which is 4 years. Payment would not restart the 7 year reporting clock, but they are allowed to report the new settlement as long as no derogatory information from the old account is reported with it.
You can give someone a fish, and you can teach them to fish, but if they insist on casting their net on dry land, it may be better to let them starve to death so as not to further damage the gene pool.