M.C.
We went thorugh this not to long ago. We had an attorney that we did use. My husband had a company that decided that they would not accept the payment that he could afford. 9 times out of ten if you keep all information of whom you talked to when there name time and your offer there refusal then a judge will see that you held up your end to pay. Even if you are sending then a 50.00 a week for instance. back to my husband. The judge ended up marking account as paid in full because we did all we could to pay. Then there was another whom we worked out a payment plan with that meet our needs. I do sugest that you seek legal advice. Most time forclouser starts 3 to 6 months after nonpayment. Sorry to hear it but in my opinion it is another way company's scam us! Good look!