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Hello! My name is***** you for your question. I'm reviewing it now, and will post back again shortly.
I am sorry to hear that you are in this difficult situation.
What province are you in please?When is the last time you used the credit card?When is the last time you made a partial payment towards the debt?When is the last time you acknowledged the debt in writing, if ever?
Then there is no possibility of them suing you for this debt.
The limitation period in Ontario is 2 years. That started when you went into default.It can be restarted if you made a partial payment towards the debt or acknowledge the debt in writing but neither of this happened.
You don't need a lawyer. They are trying to scare you into paying but they cannot sue you.
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Tell them that you are putting them on notice that they can from now on only communicate by writing and if they call again you will report them to the Consumer Protection Branch.
Is there anything more I can help you with at this point in time?