Debt collection of a charged off account

I live in Texas and have two remaining credit card accounts that I was not able to settle. I have been paying a minimal amount each month. I had my credit report pulled up recently and notice that both accounts have been charged off on my credit report. Since it has been charged off and my credit has already been damaged, I'm wondering why I should continue to pay. Can a collector for a credit card account do any further damage to me in Texas?
Thanks