Is it a VERY large sum of money? If not, I wouldn't worry about them filing suit. It usually takes a huge amount of debt to make it worth their while. When I got divorced from my first husband I had a lot of problems in this area.

My boss’s brother even owns a collection agency and he's not an attorney.

I would contact the credit card company and find out who purchased your account from them so that you can make arrangements to pay it off. Even if it's only 10 bucks a month, it looks much better on your credit.