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Can you call them and say you thought you paid it 3 or 4 years ago and never received any notification? Maybe you can compromise on the interest accrued and submit a payment to them and this will just go away.
Check your credit score records, if possible (it's free with Credit Karma), to see if this comes up anywhere. I've never missed a single payment and can use that as evidence if something dumb like this happens...
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1. there is no risk of jail 2. just try calling them and talking to them directly. tell them you never got any notices. it's possible they will accept just the final payment and not any of the fees, because they know they won't get ANY money otherwise.
3. if they are difficult about it, just ignore them. your credit will be negatively impacted but oh well. if you can't pay, you can't pay.
I saw the truth, I saw endless night skies; Understanding is pain. https://imgtc.ws/i/OObNl5s.jpg
In all honesty, this is only an issue if plan on buying a house or financing a car within the next 7 years and like people have said contacting the credit card company will likely lead to them working something out with you. If it does go to court they have to prove they have made multiple and consistent attempts to contact you over it and odds are they won't be able to prove they have.
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