Ok so I have been paying a bill for a college bill that I initially didn’t pay so it went to collections. For the last 1 year I have set up an automatic payment with them of $50 to pay this off and it is not collecting interest. Originally when I set this up they agreed to the $50 but said I could only setup an automatic payment for 1 year. I have paid on time each month for the last year and then today I get a call from the collections company and they ask me if I can pay more and that I need to setup another automatic payment. I told them I could continue paying $50 but that I couldn’t pay more than that. He said it wasn’t acceptable and that by doing so I wouldn’t be paying this off for 7 years. I said I’m sorry it’s not 7 years its really 5 1/2 years but that is all I could afford right now. He then told me it wasn’t enough money and I had to pay more. We ended up getting in an argument and I said if they didn’t want to accept my $50 I don’t know what I can do and if they take me to court I will prove to them I can’t pay more. He then said ok fine I will setup a payment and get yelled at by my boss because you will be paying this off in 7 years. I said ok well I will setup another automatic withdrawal but I don’t want to set it up with you I want to speak to your boss and do it with him/her. He said no he will just yell at you like I did about only paying $50 a month. Then he said hold on and he put someone else on the phone that sounded like a co-worker not a boss (very uneducated). This person told me the only thing they will accept is $100 and we argued about it for a while. He then said he will accept $50 but that they are going to start charging me a processing fee of $15 because I don’t live in the same state as them and they should have been charging me this all along. I asked him to put it in writing and send it to me and originally he said ok and then later he said no either pay $100 or we aren’t accepting anything. I said I can’t pay more than $50 are you going to accept that or no? He said no and he hung up on me.Â
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What can I do at this point??? I am going to assume they are going to say I simply didn’t pay like I should and I didnt call to setup a payment and so its going to go back on my credit report. Originally they had taken it off for agreeing to pay though I don’t have that in writting. Please help.