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What was the date of first delinquency on the charge-offs? Who are the collection agencies? What types of debts are they?
If the DOFD is during your diagnosis and treatment periods (I pray you are in remission), you should have a justifiable reason that can be supported when you reach out to collection agencies or the original creditors seeking a goodwill adjustment to your credit reports (make sure you contact the upper echelon management by looking for contacts via linkedin and google). If you have funds to settle, do so as this will assist in your request for goodwill.
Furthermore, I would send a statement to the credit reports detailing your reasons for falling behind. I know these are not read often but at least you are putting it on record for the more important credit decisions you may face in the future.
Good luck to you in all facets of life.
While a pay for deletion offer has better chance of acceptance if the consumer offers to pay the full amount, you can still make a PFD offer for less than the full amount of the debt.