How F'ed am I, What Do I Do Next?

lost job ... tried to make payment plans work .... defaulted and have 3 cards charged off in 2023. Credit score is 551.

All 3 are with JPM/Chase. Total of $50k. Stopped getting letters from collections. I'm not sure who owns the debt now.

What steps do I need to take to start repairing my credit?

Is it worth trying to pay JPM some amount even though they technically don't own the debt any longer?

Should I work with a specialist company or all they all scams?

I don't even know where to start. Feeling hopeless.