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When I was a dumb undergrad (no offence to those of you who may still be undergrads) I took out a number of credit cards. Four, to be exact. After I graduated from grad school, I ran into a lengthy patch of unemployment. I defaulted on all of these credit cards. Since then, they have all been charged off. I expect to settle each of these acounts before starting law school in the fall but am worried about how this might impact my C&F when I apply to the bar.

Anyone have any experience with this? Thoughts?

As long as you've taken steps to sort it out finally, it won't be a problem. It's sure to come up, but you'll only be held back if it looks chronic / massive / unadressed.