Collection agency called me, I offered to pay them $50 every two weeks straight out of my account, the bill is only 588, she says that payment amount is not within their system protocol, not big enough payments, I tell her its all i can afford, she got nasty with me. I hung up. man calls about delevering papers, i told him i will not sign for anything he says you just have to take them, i say i won't open my door. what do i do?