before you get too crazy on playing hardball with them. How much is owed on the debt? Even though there is no magic number on how much they will sue over, if it is close to or over a $1,000 CA's don't even blink an eye to sue for that much.
Telling them you aren't going to pay is an open invitation for them to sue you so I hope you have the money ready in case they don't budge.