My experience w/ this is only 2nd hand - but it's my belief, that if you engage (in any way) w/ the entity now holding the debt, that the clock can start ticking all over again.
Worse... I also believe that if an old bad debt is ultimately paid, it will be on the report forever (because it was paid). Whereas, a bad debt left-unpaid or in collections will eventually drop off.
If I was only 1-2 years out from all of that being cleared-up, I'd avoid all contact w/ anyone/anything having to do w/ the previous debts.
If any of the above is incorrect, I invite correction. 
There are a few dates that you want to know when looking at credit.
The date of first delinquency is the date a person is first late that leads to the charge off status.
The second is the SOL. The statute of limitations is what allows a creditor or debt collector to sue legally (there are collection agencies that will sue outside of the SOL in hopes that you don't show up to court)
The last is the reporting time. A collection or charge off can stay on your credit report for up to 7 years and 180 days from the DOFD.
Paying off a collection or charge of will neither reset the SOL or change the DOFD. But if you make a payment plan and fail to complete it, you can reset the SOL.
If the charge off's are revolving accounts and showing a balance, they may be hurting her score by remaining unpaid. Midland has a policy that if you pay off the account and the DOFD was over 2 years ago, they'll delete their account from the reports. This does not delete the OC account though.
Personally, I would work from the newest to the oldest and maybe she won't have to wait until 2019 to have a clean report.
The date of first delinquency is the date a person is first late that leads to the charge off status.
The second is the SOL. The statute of limitations is what allows a creditor or debt collector to sue legally (there are collection agencies that will sue outside of the SOL in hopes that you don't show up to court)
The last is the reporting time. A collection or charge off can stay on your credit report for up to 7 years and 180 days from the DOFD.
Paying off a collection or charge of will neither reset the SOL or change the DOFD. But if you make a payment plan and fail to complete it, you can reset the SOL.
If the charge off's are revolving accounts and showing a balance, they may be hurting her score by remaining unpaid. Midland has a policy that if you pay off the account and the DOFD was over 2 years ago, they'll delete their account from the reports. This does not delete the OC account though.
Personally, I would work from the newest to the oldest and maybe she won't have to wait until 2019 to have a clean report.
To my experience debts just don't go away! Especially if they are credit card debts. It is possible that some collection agencies stop reporting due to many reasons( likely going out of business) but very likely some other company is going to buy all of their accounts and try to peruse it again and start new reports on the credit bureaus.
Is best to try to pay or settle the debts as soon as you can so it dose not follow you for years to come.
Thats just my experience. Good Luck.
