I am so confused on what to do, some sites say try to get it vacated, some say offer a settlement. I spoke with a lawyer and he said to contact and offer to pay at least half. The original card was for 400, and now they say I owe 1900. I want to buy a house next year and so will need to do something about this. If I wait until 2014 will it fall off, or will they renew it? The account was sent to a law office rothman or something, not sure? I really do not want to pay more than double for a card that was from almost 10 years ago. What should I do?