[4_2_it]

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this debt is not showing up on my credit history as of right now. My history shows the 5 credit cards I have used and since I never have been late on a payment my score is near perfect as of right now.

Is 5k a huge debt for a bank to collect?
Doesnt the fact that is has been two years and nothing has happened reflect that I might be ok?

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Banks have lawyers and accountants on staff whose only job is to identify and collect debts. Sure they will go after $5 million embezzlers first, but they will eventually find time to squash you like a bug. It will most likely happen when they get bored and need something to fill their downtime.