I was contacted by a collection agency about my credit card. (The credit card company said they didn't sell the debt, so maybe it's an internal collection agency?) They were rude and insistent, even threating wage garnishment. I succumbed and agreed to pay them $130/month until the amount is paid off. However, now I have learned I could have refused to pay because they can not legally threaten to garnish my check. Now, I have a verbal agreement w/ them on paying this. I have made two payments. My husband is not working enough to help with regular bills and this is putting a huge strain on us financially. If I call them to request a lower monthly payment, do they have to accept it? Or do I have to continue to pay the $130? Is it against the Fair Debt Collections Practices Act for them to threaten garnishment at this point? I know I owe the credit card company, and had great credit until I got a couple of months behind. I don't have a problem paying what I owe, but I don't like being railroaded and taken advantage of either.