Drew,
My sugestion to you would be to continuously try and dispute the charge-offs on your credit reports. I filed BK in 1999 and believ eme it is very hard to recover. Although my scores are pretty good now, it took work, and even though I have never had a late payment in 8 years I still get denied because of it. If you can pay your bills don't file bankruptcy, infact those charge-off will still be there if you paid them off anyway so it still won't help. Your focus needs to be to try and get those deleted from your report. I disputed bad accounts with the credit bureau every 6 months for like 4 years, I constantly got them to investigate, begged them to delete. They will contact the creditor if the creditor does not respond within 30-60 days it will be deleted, some of the creditors did not respond so some accounts fell off, some of them did, so I had to stay patient, I also stayed consistent, over time just about all have dropped off except my BK. So try that. I hope it will help you.