I had an end of auto lease obligation to pay XXXX XXXX XXXX XXXX back in XXXX 2015. I contacted XXXX via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying XXXX {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from Vital Recovery Services LLC, a debt collection agency that required a payment for the alleged debt I owed XXXX. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, XXXX XXXX XXXX XXXX hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. XXXX refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in XXXX best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with XXXX again. XXXX of companies work with you on this, they assist you with monthly payments ; however, XXXX does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.