Can't Make My Payments

by Sarah

I have been making regular payments to them for the past 2 years. I missed a payment and have to make up 2 in one month. Don't have a lot of extra money right now. She had told me that if I miss one of the payments this month that the full balance is due in 5 days and there is nothing she can do about it. Is this true?

Comments for Can't Make My Payments

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Oct 09, 2014
Debit coming from my account
by: Denise

I would like to know who and why your are taking money from my account? I do not recall ever using this type of agency and would like to know who and what you are taking my money for? Do I need to take further action with this type of transaction? Please type in your question regarding transaction (account details deleted) This is what appears on my statement. Will you please explain this?

Reply from

Denise - We are not a collection agency. We are a consumer education website. You will need to find the collector's website or address to file a complaint.

Jul 27, 2011
falling behind on collection payments


We know this must be stressful for you, but you are not the first person to fall behind on payments to a collection agency. When you do fall behind, the collection agency will naturally push as hard as possible to get you back on a payment plan because they know the odds are against you the further you fall behind.

There's nothing legally to stop them from accepting payments from you in the future if you are able to catch up, but if you stop making payments to them they may either get more aggressive about trying to collect or sue you. Don't panic - that's doesn't mean they will sue you. After all, if you can't pay now, would that really change just because they take you to court?

Sarah, we recommend you set up a a consultation with a bankruptcy attorney to find out what your options are if you can't pay the collector. You can find out, for example, if you are judgment proof, and if you are, that may give you some negotiating leverage with the collector. You can also ask the attorney to explain to you what property you own may or may not be at risk if the collection agency decides to sue you.

You may also want to read our section about being sued by a debt collector.

Hang in there!

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