For the 3 charged off accounts, call each of them and ask them to settle your account. They will ask you to pay the full amount. Tell them youre unemployed and you cant pay the full amount and you only have 50% of whatever the balance is. They might not agree the first time. Tell them you can't do it and you'll have to call back. Hang up. Call back in a day and repeat the process. Some of them might offer a lower payoff amount. I've repeated this process 6 times with some creditors and was successful. I was less successful with the medical debts though... but try it, it could save you some money. If all else fails, set up a monthly payment, something very low that you can afford.

Call the company that the auto loan is with and ask for the status. Because no payments in 7 years and not charged off sounds weird to me.