My point is I haven't missed a payment. I simply inquired about it. They have never had to call me for money I responded promptly to their letter and immediately set up arrangements.
I have an account with a collection agency set up to pay $40/month. I called rep to inquire as to whether or not i could skip Sept. payment or pay half. Told her I would figure something out and send regular amount. As I was hanging up the phone she heard me say something that wasn't intended...