I received a phone call today from a collection agency about an account from my college stating I owed them $ 800. I have been paying this off via the school but I guess they went ahead and threw me to the collection agency. Anyway, they wanted the $ 800 in full today, which there is no way in hell I could do that with a new baby and little income. I asked if I could make a small payment maybe $ 50 for April then May- September do $ 150ish. I was talked down to like I was trash. I was finally told to contact them back within 24 hours with a payment and my bank account information. If I call them back tomorrow what do I say? I literally cannot pay more than $ 50 until next month.