I have been working with accelerated receivables since XX/XX/XXXX. I set up payment arrangements and I would pay extra, possibly pay off if I had enough from my tax return. In XX/XX/XXXX they did not take their monthly payment, I attempted to call the rep dealing with my account ( alex ) but she never picked up or called me back. I would get random unknown XXXX number calls and when I would pick up I would be on hold with an automated system for 10-15 minutes and be disconnected. I gave up trying to figure out why they stopped making payment arrangements as I tried to contact them for weeks. On XXXX XXXX XXXX, XXXX called me from Accelerated Receivables and informed me my account was turned over to the legal department and she was now handling my account. I told her I tried getting back in touch but no one would call me back, she dismissed me and told me that if I did n't pay the balance in full or promise to set auto payments of XXXX a month to pay off in 10 months she was going to garnish my wages. I told her I could not afford this, I am the only one working and have XXXX kids and a house payment. She said that there was nothing she could do, I either did what she said or she would proceed to garnish my wages. I asked her to give me a day to figure things out. At this point I was panicking, I did n't know what to do. I called her 5 times that day to see about me making a lump sum payment to bring the balance down and smaller payment arrangements. She never called me back. I did n't hear back from her until I called another 3 times the next day. She finally called me back around XXXX. I let her know that I could not find a way to make this work and offered to make a large payment and small payment arrangements she said she could not do that, now that it is in the legal dept. I called her again on XXXX XXXX XXXX. I had to call through another rep who claimed to sit by her and asked him keep me on the line until she was available. When XXXX picked up I told her that the best I could do was {$900.00} that day and auto payments of {$150.00}. She was rude and said with a stern voice, " if you do not pay this off in 10 months we will garnish your wages, if you pay {$900.00} today it will bring your monthly payments to XXXX '' I tried to explain I felt this was unfair since I had been trying to get a hold of them since THEY stopped the payment arrangement, not me. She begun to talk over me and would n't let me finish my sentence. I told her I once again had to call her back. At this point I decided to do some research to see what I could do, I found out that I am able to go back to the original creditor and set up payments with them. I did speak with the hospital who agreed to set up {$150.00} payments a month and they informed the collection company that this was done, that it was n't working out with them to collect the payments. XXXX attempted to call me one time after this was done, I could n't answer since I was at work, she did not leave a message or call back since. I feel she was pressuring me and bullying me to get the account paid off before the end of the year. She threatened multiple times to take legal action to garnish my wages. 
