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I have charge offs on my credit report. Do they come off after so many years or do i need a debt settelment team to work out a deal?

Actually, there is nothing you can do to remove the charge offs on your credit report except wait the 7 years it takes for them to fall off your report. The only other option is to pay your creditors the balance due but if you do not pay them 100% of what they say you owe, that will restart your 7 year clock.

If your charge offs are more than 7 years old, then you can write all 3 major credit agencies
Trans Union
and ask them to review your report to drop old charge offs.

Sorry for the bad news, hopefully you are near the end of the 7 year term. Good luck to you.