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Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question and respond.
You can wait and see if they sue you.If they get a judgment you are able to file Chapter 7 bankruptcy and discharge this debt and any others you have.
They are really unlikely to sue you here, this is a small amount of money , likely they just keep harassing you to see if they can get anything.You are free to ignore the calls.They can sue you for file years from the date you missed payment.You may wait and see if they fade away here.Chapter 7 is a last ditch thing if you have to do so to discharge a judgment.
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