<prompt> Human: Long story short. I had racked up 1700 in CC debt on a Barclays Visa a few months before an unexpected job loss about 4 years ago. Ive validated the debt, and they sent me all the statements. However, since its an older debt, I wish to settle it. But Ive emailed them, and wrote them without response.  <response>: They have likely sold the debt to a collector and no longer own it, and wrote it off. You literally may not owe them but the collection agency. 