Can a collection agency demand a minimum payment on debts(utility bills) that are under $1500?? I have made payments every month ranging from $10 to $50, have not missed any payments (never had an agreement in writing) and now these agencies are saying I am obligated to pay more than $50 and that the original creditor can take the debt back at any time and sue me for the entire amount regardless that I have made steady payments on the account. Can they do this? Or am I ok since I have made an effort to pay. Also, I have told them I get Social Security every month and the law says that they cannot garnish that but they still insist they will sue me anyway. I am disabled and am trying to pay my debts but I cannot afford to pay these people more than $50 at the most a month, can they still sue me?