After several phone calls with XXXX, I got the appropriate amount of debt stated ( {$450.00} ) and was informed that I could make payments until it was paid of. I began making {$50.00} a month payments, after the third month I received a phone call from the debt collector about making the remainder {$300.00} in order to prevent further debt collection action. After calling XXXX, they informed me that I had only three months to pay off the full {$450.00}. I was not aware of this and in none of the multiple phone calls did anyone state that this was the case. Otherwise I would have paid the entire amount prior to the three month mark to avoid a mark on my credit. I have paid off the full amount now ( less that three months after it went into collects ) but now there remains a mark on my credit for a collection agency.