So I called them back. I was willing to pay back $17, 500 for a dept that I had with rbc. The moron on the phone said "we are not going to take the full amount payment and that they were going to sue me"  I died laughing cause I recorded the phone call.  I was willing to pay everything including the interest.  Now I'm just waiting one more year and it will fall off my credit report.  I use to work as a credit analyst so after 5-7 years it goes dormant and after 10 falls off equifax and trans union.  Oh I bought a brand new car and have a mortgage for a house to.   They can't sue you for anything.