I owe navy federal 5k

I am (26F) and Back in 2023 I opened a business account for a failed business and shortly after my life went downhill, I completely forgot about the account as it was mine and my ex bf. Fast forward to today I just got a missed call from navy federal. The balance was left at around 4k and with interested and late fees went up to 5k and some change. I haven’t made a payment in 3 years, and the account was closed back at the beginning of 2025. I dissolved the LLC 2 months ago. Nothing ever has reflected on my personal credit report, and I haven’t ever received a call until now. I am currently not in a financial place to pay that debt at all. Will they sue me for that balance ? How should I navigate this.