Collection Agency will not accept reasonable payment arrangement
I owe for breaking an apt. lease $3,218.00). I want to pay it back, but the collection agency made unreasonable downpayment to start repayment. I am on disability and cannot afford either $700 downpayment and then $250 per month to repay. Have tried to negotiate and they will not budge. Are they allowed to refuse my payment arrangement of $200 per month until paid? I have to move in 8 months and will need a good apartment credit rating.