They would lose money suing you. They will say ANYTHING to frighten you into borrowing from someone else to pay them, however.
I believe that if you pay them anything at this point, that you will make it impossible for them to write-off your debt.
You need to actually understand your rights here. You do have some. And yes, for those who want to argue that you owe the debit, you do, but I'm going to ignore that part at this point.
Read what you can about consumer rights in regards to unpaid credit card debt and about collection calls in general. I think that you need to know whether you have to keep answering these phone calls or if you can stop taking them. You also need to know if you are talking to the credit card company itself, or an actual collections agency.
I do want you to know that you will probably be dinged by the IRS if the company has to write your debt off. The IRS may consider the $2300 to be income and you'd be responsible for paying taxes on it. Of course, if you aren't making any money, you might not have enough income to qualify for paying taxes on it anyway...
There's another thread on here that talks about a collection agency harrasing the family of a man who intentionally shirked his fiscal responsibilities (not your circumstances). They were calling a very long time after the debt was written off by the company. Collection agencies do this - make sure you understand this. And it won't help your credit to pay something like this off years later. All you do is make the collections people happy.
Don't pay one of those consolidation agnecies to deal with this. You'll get fleeced. However, you DO need to go to the library and check out a book by Dave Ramsey about how to live without any debt. DO THIS. It will change your life. Many women on here have done it and swear by his advise for people who overspend and have trouble managing their finances.
Knowledge is power, N.. You'll feel better once you understand what the credit card company/collections agency can legally do or not do, and what you can legally NOT pay. You also need to know HOW to not pay. That's important too.
Good luck.