Vandergrift, PA asked in Collections for Pennsylvania

Q: Can I be sued because my payments aren’t high enough for the collection agent?

I have been making monthly payments since June of 2020. Never missed a payment. Now they are suing me because my payments aren’t high enough. They said I have to agree to an amount I can’t afford or take my chances in court and hung up on me.

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2 Lawyer Answers
Barry W. Kaufman
Barry W. Kaufman
  • Collections Lawyer
  • Jacksonville, FL

A: Yes. You can't just send a payment amount that you can afford without an agreement that your payments are acceptable. Suppose your debt is $10,000.00 and you are making monthly payments of $20.00 without an agreement that the at $20.00 is acceptable.

David Kennedy Bifulco agrees with this answer

David Kennedy Bifulco
David Kennedy Bifulco pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
  • Collections Lawyer
  • Bethlehem, PA
  • Licensed in Pennsylvania

A: Always get the payment agreement in writing. This is important because accounts are often sold and if you have an agreement with one company and it isn't in writing you won't be able to hold the next company to the same agreement.

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