Should I be worried about this debt?

[duecesful]

I am also a debt collector. It sounds like a third party agency to me. If this is the case they will ALMOST NEVER take any legal recourse, especially since you have no assets to go after.

It may show up on your credit report but I personally feel there is nothing to worry about(except for your conscious and credit score). They will notify you in writing if they plan to take legal action. Then you can begin to worry.