Told me in order for legal action to be seized, I would have to pay a lump sum of {$720.00} or XXXX monthly payments of {$370.00}. I only had until XXXX/XXXX/16 to make either payment arrangements. Which was 7 days from the date I was contacted. Advised that my wages would be garnished and/or my taxes would be taken once they 're filed if I had n't made arrangements by then. 
