re: Need help resolving fiance's credit card debt issue(seeking collection)

Got a call notifying her of a summons, they left a voicemail and she had me call and talk to them. The guy was Asian and I didn't fully understand him but I got something about the $15k being taxed as income maybe? I don't know I was gonna call bank of America when I got home tonight to try and deal with them directly! They offered $2300 settlement on $15k should I take it or try for lower? Or should I ignore it bc it's not on her credit report and it's been nearly 7 years?