Yikes, I hate to be the unpopular one, but, from my perspective...you were the one in the wrong...not the lady on the phone. While it is possible to make a mistake and push the hang up button instead of the hold buttom, the other person had no clue that was what you did. Then, to not answer when she called back...well, I don't blame her for the message.

I don't know how one overlooks a credit card bill for around 4k. Not even a college student. I find it hard to believe this is the first notice that you had that you owed this debt....if it goes to collections, you are talking about a bit of time...probably four late notices sent to your last known address.

As to filing suit, it is completely within their rights to do so. You are in breach, not them. And, people/companies sue for ALOT less every day. I routinely file suit over debts around 12-1500. Why not? You get a judgment, and then move to collect at some other point.

The consumer sales protection act/fair debt collection act governs the companies rights as to collection. I think you might be able to find that with a internet search.

I am sorry you are in this mess. BUT, to shift the blame is one sign that you aren't in a position to accept responsibility. That won't get you very far with the credit card company, or its attorney.