In XXXX 2014 I received a call from ZFN about a very old {$910.00} debt from XXXX 's Jewelers. The agent on the line said they were going to sue me for what I owed. I had just given birth to my son that same month and explained to him that I was on maternity leave and it would be hard for me to start a payment arrangement at that time but I would do so in the future. He told me I could settle or pay some outrageous amount. I said I needed to speak to my husband. XXXX minutes later the same agent called me back and said he talked to his client and he could do XXXX $ down and XXXX $ in XXXX payments. I explained it would be incredibly hard but he was saying I was going to have to pay legal fees if I was sued and that was their next step. So I agreed. I paid the {$150.00} in XXXX. When XXXX came I could not make a {$260.00} payment so I called ZFN. I explained that they pushed me into this agreement and I knew at the time I could not do it but I wanted to pay the debt and I could afford $ XXXX. They told me I was on a hardship agreement which I do n't understand because I was actually paying the EXACT amount I owed plus fees and if I had to change my payments it would have to pay a XXXX $ fee. Like I said I wanted it off my credit so I agreed. XXXX XXXX my husband had XXXX surgery and I was the only XXXX working so I called ZFN to explain that XXXX and XXXX might be hard for me to pay but I would pick right back up after. The rep said he could cancel XXXX to make sure my " debt '' did n't change offices. I said OK but if I ca n't do XXXX to can I call back and cancel that one he said " YES ''. So it is now XXXX I am barely paying current bills since my husband just went back to work and I called to let them know. The rep was rude and basically said to bad I cant help you. I do n't know who you talked to my job is to collect a debt. I explained I had kept up with my payments since XXXX and I really wanted to continue paying it. He basically blew me off and said " yeah and next month it will be something else. '' Then said " I 'll cancel them and you can deal with whatever comes. '' I only owe {$250.00} now I really want to pay it off and the agency basically lied and basically led me to believe they would do something drastic. I have also been paying the agency a XXXX $ processing fee every month for the money they want.