This started XXXX for {$900.00} and is the leftover portion of an emergency medical bill with XXXX XXXX XXXX, XXXX, OK. I immediately started paying $ XXXX/month and increased it to {$54.00} recently to comply with minimum payment requirements. I have NEVER missed a monthly payment and the debt is down to {$480.00} now. No reason for it to ever be turned over to Nationwide Recovery but it was anyway. After I had made payment arrangements they called again to say that I needed to make FUTURE payment arrangements ( auto debit etc. ) or they would continue to call me. Since when is future payments promises a part of it that was not mentioned in the payment arrangements at all. Again, I have paid every month, not one has been missed.