I was simply posting about the fact that she left me that message. I thought it was a bit weird, and unprofessional of her.
Yes, I had received notices in the past, and they worked with me to pay them back, but to me paying my student loans, my car insurance, car payments, and rent or mortgage payments is a lot more important that a stupid credit card.
I believe I am in a position to accept responsibility, I am an adult, I have a job, bills to pay every month (mortgage, insurance, utilities, things of that nature), and 3 dogs to take care of.
I am aware that it is within their rights to file suit, and will be doing everything I can to make sure that does not happen. If it does, I will just have to accept the responsibilty that I screwed up in the past, and take care of it.

Again, I wasn't looking for any sympathy or anything, I was merely posting about the message that I recieved, and that I thought it was a bit rude.