Hi All I have an collection account with Arrow its 14,000 maybe a little over that amount on my cr it states its going to fall off 3-2011 me and dh is planning on buying our first home the dofd is 3-2006. I haven't received anything from them I don't want wake a sleeping giant but I know its going to have to be paid in order to get threw under writing. Should I offer a settlement or what should I do??? Any suggestions please I don't want be sued or garnished for this later on. (by the way IM in NY and we plan on buying our first home next summer- fall the latest.) Thanks in advance as always!!