Collection agencies can and do refuse payments.
There’s no law saying they have to accept a check or money order.
Some people might tell you that as long as you send something in every month, creditors can’t take collection action against you.
Unfortunately, that’s a myth.
Does a collection agency have to accept any payment?
First, collection agencies aren’t legally obligated to accept or agree to payment plans. In short, debt collectors don’t have to work with you or agree to any payment schedules based on what you’re reasonably able to afford. Their goal is to collect as much of the debt as they can, as quickly as they can.
What happens if you don’t pay a collection agency?
If you don’t pay the collection agency, fortunately, you have some time before being impacted. After 180 days, “a consumer may be sued on the debt or simply called and mailed letters from collection companies who may settle debts for less than the full balance,” Symmes says. However, that may not happen.
How can I get out of paying debt collectors?
Pay for Delete
Send the collector a letter stating your interest in paying the account. Offer to make payment if the collector agrees to remove the entry from your credit report. If the debt collector agrees, ask for a signed copy of the letter to you to seal the agreement. (Sample Pay for Delete Letter.)