I offered to pay my debt in payments due to my income from XXXX ( {$840.00} ). They told me I had XXXX days to pay it off ( {$1600.00} ) or it would remain on my credit for life. XXXX the account specialist who has my account notated me as refusal to pay/attempt to pay even though I telephoned them. I contacted the management company that filed this and the apartment complex and they were unable to give me any kind of information to help me resolve this matter. They do not have my information from when I lived there.