I have been dealing with Midland Credit Management over a debt. We agreed upon a XXXX month term of paying XXXX a month for XXXX months. I have paid for the XXXX months and when I called to verify with them they said I had to pay for XXXX months and that I still owe them. I requested a copy of the original settlement letter by email. They said they can not send that over email, I then asked for it to be mailed to my home address, they said they are only allowed to fax the letter. I informed them that I do not have a fax machine and they told me that they will not email, or mail me the letter because it violates federal laws. I am confused and I can not find my copy of the original settlement letter. I have paid the agreed upon amount and the agreed upon months and now I am hard pressed to pay XXXX more months with no justification except this company saying I have to. I also called on XXXX of 2015. At that time I spoke with a representative who told me that I would be done with all payments in XXXX of 2015.