Having just been sued over a less than $2,200 old CC debt by Portfolio Recovery Associates in New Mexico, I've just retained a lawyer. The lawyers fees on top of the bill will be well worth it to make Portfolio work for their very cheap money.
Beware if you have significant equity in your home and that equity shows on your credit reports.
Bottom-feeding debt collectors like Portfolio see home equity as a treasure chest to be pillaged using the justice system. Unfortunately backwards states like New Mexico allows this to happen to many of its citizens.