cassyjr

hi there i live in the uk and worked for a collection agency

they have rules and processes to follow

first instance they will try and collect the full amount
then they will try in a few installments
then they break it down further for you to pay
some companies require going through a financial statement and there is things they will and will not accept they also sometimes as for proof of bills/ benifits


also if another company is dealing for you like a debt management plan
the company has to accept what they offer (the best companies for this are the government plans)

the best thing to do is everything in writing, if they call tell them you will only deal by letter
write to them with your financial statement and put an offer to them for $xx per month

dont let them upset you with legal action if you are paying a smaller agreed amount they can not take action against you

hope this helps