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Threatened to take legal action. After 2-3 years of receiving phone calls from this particular collection agency, I decided to call them and make payment arrangements. about 2 years prior to my calling, I shared with them that the reason why I could n't pay was because I was out of work, with no income due to a XXXX, but the calls continued every day. So on this particular day around XX/XX/XXXX, I called them to make payment arrangements because I was tired of the calls. The young lady quoted a high monthly figure over {$100.00}. I stated that I could not afford that. During this conversation, she used harsh tones that I made her aware of. She then stated that she could reduce the amount to {$100.00} monthly. I told her that was still too much. She stated she could n't go any lower. We had