I have an account with Client Services out of St. Charles, MO. They are collecting on behalf of Bank of America, which was closed last year with overdraft fees totaling 900 dollars (a mess which was created due to payday loans.) I have paid Client Services 250 dollars thus far. I had set up for Client Services to take out 50 bi-weekly from my debit card. Things ran smooth for a while and then a representative called stating I would need to call bi-weekly with my credit card number and make the payment as they could no longer automatically put the payments though.
My last payment with client services was on 6/18 and I hadn't called in since today. The representative I spoke to was very rude and demanded I pay the total 650 dollars. He demanded I borrow from family. I told him I was not able to borrow from family and would like to continue making payments. He refused to allow me and stated he would tell BOA I was refusing to cooperate. Though I have fallen through on some previous arrangments and this account is old, I'm still willing to pay my debit. However, I don't know how to proceed from here as Client Services does not seem willing to work with me anymore.
I did call BOA and all they said was I had to work with Client Services.
Any advise? I was thinking of just mailing them a payment.
I really don't want to be sued by BOA.
Any advise would be appreiciated.