Swimming Israel

I recently found that I had a charge-off on my credit report, but I'm not sure what it means. Is there someone who can provide advice or recommendations about charge-offs? I would also like to know how a charge-off affects my credit score and record. I've read several articles about my problem, but I don't grasp what is being said. Could you please tell me how to behave right now to minimize the influence on my score? Do I need to get in touch with a lawyer? I came onto this team https://wikitia.com/wiki/Consumer_Attorneys and read a lot of positive testimonials about them.