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For any personal credit related concerns I recomment a website that I know has many very good answers to even the toughest questions.

It is an 'ask' site directly on Experian's website which is hosted by Maxine Sweet, the V.P. of Public Affairs for Experian.

You can get to the site from the following link:

http://www.experian.com/ask_max/index.html

Once a debt has been defaulted on, the entire balance is due in full. It is impossible for a payment arrangement on a collection account is be past due since the entire balance is past due. If a collection agency has agreed to payment arrangements, they have done so at their own discretion. Since the entire balance is due, their contacting you is not out of the norm, nor is it illegal, unless you have sent a cease & desist letter.

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Do you really only have one day to pay if a credit card company demands payment within 24 hours?

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