I had a really good business back in 2010-2013 driving truck making about $ 5k a month and went credit card crazy. I always paid my payments and my score was close to 750ish. That business went under because of the coal industry, so I started a printing business which really went under. I fell behind on all of my credit card payments trying to pay my printer payment, electric, phone, etc. Since then I have 7 charge offs. I have paid 4 of them. My credit score is 499. How can I recover from these charge offs?