I made an agreement with a debt collection agency over the phone. I agreed to pay 200.00 month after getting demoted down from ast. manger to shift manager. I called the company and told them i can't afford the 200.00 so i went down to 100.00 a month. now at my job I am barely getting 30 hours a week. and i am having problems keeping my house hold bills paid. can I change the amount again? and can i stop them from taking the money from my checking account??