Walk It Through: The Old Card
No threat of action it does not take, no word to the employer, and no collecting through social media.
A collector calls a school bus driver late at night about an old credit card balance and says not paying could mean arrest and criminal charges.
Two things a person in this spot might do. Picking one shows what the law says about it.
One card and one collector. Time limits on old debts, vehicle disabling, and fees not justly due are not worked through here.
A practice walkthrough, not a prediction of how any real one will go. Legal information, not legal advice.