Almost two years ago I was retrenched from a high paying job leaving me with considerable credit card debt. Rather than collect the "dole" I decided to live entirely on personal savings and draw downs on my superannuation to maintain my lifestyle whilst looking for work - which never eventuated. Finally I applied for the Newstart allowance and sought the help of my local government financial counsellor. The plan of action was to sell my house, finalise the small mortgage and make an offer of settlement to all my creditors, whilst retaining enough to buy into a retirement village, leaving a small "nest egg" to make life comfortable until I could claim the age pension in December this year. We approached all creditors and made full and frank disclosure of my circumstances and made an offer of 50% of the outstanding balances. Eventually, all agreed to this (in writing), payments were made and I have documentary evidence to show these payments. I thought that would be an end to it and I'd be able to get on with my life and look forward to a frugal but worry-free retirement. However, I'm now told by an accountant friend of mine that, regardless of whatever documents I've received (including statements showing zero closing balances), the remainder of these debts remain and that they can be sold to debt collectors who can harry me into the grave if need be. The thing that worries me is I recently had a missed call on my home phone and, checking with an Internet reverse phone number site, it turns out it was from a debt collection agency with a reputation for being particularly nasty. I've received nothing by mail indicating that any debt has been reassigned. Naturally I'm worried. I did have a little work this year and i managed to save just enough to get me through to pension age, but that finished at the end of June this year. My greatest concern is that I can now be faced with having to deal with a debt collector harassing me for years to come. How do I stand legally?