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 for her to hear (I called her a name). When I called the next day she informed me she had turned me over to legal due the pretty little name she heard me call her and I now had 30 days to pay. Talked to gm of collection agency and of course he was extremely rude and threatening as was the legal rep. I have been informed by them that the employee was incorrect and made a mistake in setting up such a low payment amount and I must send $100 per month, pay balance or go to court. Everything with my account was fine until she heard me say what I said. Can they do this?