You should read the reviews and complaints about his books. Lots of hype and misinformation.
A "charge off" is just an accounting thing that allows a tax deduction for a bad debt. You still owe the money.
The debt will continue to grow with interest, fees, and costs over time. The longer you wait to address the debt, the bigger it gets.
You'd probably be wrong. You still need the case file.
Up to you.
You can offer as little or as much as you want to see if they'll settle for a discounted amount. Just make sure you make you have the cash to back it up. And get the agreement in writing that it's full and final settlement of a disputed debt.
Not until they are in the courtroom.
Trouble is, by the time you get there the debt will have grown more with their lawyer fees.
Since you obviously owe the money, you'll probably lose, they'll get a judgment for a lot more than they are asking now, and if you can't pay they'll garnish your wages and levy your bank accounts.

