Living in Texas... I've got an old debt with a bank credit card that has changed hands several times. It is well past 7 years old and doesn't show on my credit any more. Before doing the research, I made a settlement agreement with ARA to pay about 2K to settle it out. I also paid a couple hundred dollars at that time I guess to show I was serous about settling. I've since found out that they can't sue me over the debt any more and I probably should have blown it off. My question is, did I mess myself up making a settlement agreement, or is it safe to ignore them? I've recently had some medical issues and it's more important to me to stay current on that. Any advice would be greatly appreciated.