I have 2 outsatdnaing credit card debs that are about 80 days past due each now (totalling $12,000.00 plus). Calls have been coming in for collection but have recently stopped. What actions are my creditors possibly taking at this time. One is already in a collection agency, but they also haved ceased calling. Can I be sued or will these debts be charged off. SOL in my state is 4 years. Thanks