[NutBrnHair]

I say you owe it because you were a part of it for the semester. Personally, I think they should have dealt with your non-payment earlier in the semester, but they didn't. If they choose to go through a collection agency -- that's their call.

If you got a credit card at the beginning of the semester and used it for 3 months and then decided -- I don't want that VISA anymore (or, VISA decides they don't want you!), you are still obligated for the charges during the time you were a "card-carrying" member.