We owe about $3,000 and it's been a few years since we could afford to pay on it. Thank you so very much for your advice. I think i'll lose their number since I was only going to be able to send them $20 a month.
I was called by a debt collector yesterday and while we owe the money we don't have the amount they want right now. I can make very minimal payments until I can find a job. The issue is they want us to give them authorization to take money directly out of an account and we are not comfortable...