hey lilbear,
I understand completely...

When the item goes to collections the relationship changes...

With the original creditor you had a set payment agreement that you could count on.

With a collection agency, you have the "new" agreement which seems to be what ever the collection agency wants..

Keep in mind that there are no laws or regulations saying you have to deal with a collection agency... They're kind of at your mercy...

Check out my collection agency Tip #1

that's the thing it had nothing to do with her calling me it was the fact that she out right said that is not enough of a payment!!! whether or not she makes comission on it or not when someone says I only have 100 dollars right now you don't say that's not enough... that was litterally all I had...

hey lilbear,

if you pay only a portion of the debt, then the collection agency would have to keep calling you to get the money. IE.. if you owe them $2000 and you pay them $100, they think that they may have to call you 19 more times to get the full payment.

Also the collection agency likes to take control of the phone call. The more they can demand from you, and get you to act, the better they're doing their job.

They obviously will accept your $100 as they get paid on what they collect. However if their commission is 10% of what they collect, they're only getting $10 for that phone call.. They would rather make the $200 commission on the full $2000 amount owed.

When you are a collection agency and a customer offers to pay you... you don't say no!!.... through some misunderstanding one of my bills was sent to these idiots.... they called non stop for two months but as i explained to my original bill holder I was out of the province in a remote area that i could not be reached for work.... after i returned home i was informed that my bill was sent to these guys to collect..... when speaking with the agent I informed her that i had not recieved my pay yet and that i would give her a hundred dollars that day and the rest would be paid in a week when i got paid.... she told me ahundred dollars was not enough.... ????.... I didn't know ccollection agencies were particular in the amounts of money that you were allowed to pay.... then she wondered why i told her to go f*** herself and stop calling me if she didn't want my money.... please someone explain that you don't say no to someone that actually wants to pay you.... that's what your trying to do is get thier money!!!!