Dealing with credit card debt?

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      I have 2 credit cards that are currently charged off and have gone to a third party collector. I owe $2198 on the Chase card and $13250 on the BOA card. Should I settle with both companies or get a debt consolidation loan? I know if you settle, it still stays on your credit report for 7 years. I’m making more money this year and have paid off some bills recently. Also, if I did settle, would it be better to do it through the original debtor (Chase and BOA) or with the third party collector? Just trying to weigh out my options here.
      Chase card was charged off about 5 years ago and the BOA card around 3 years (when I lost my job). I just didn’t know if I paid it off completely, if it would drop off my credit report sooner but it sounds like it stays on there regardless.

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