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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
Experian
Equifax
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.