I received a notification that the debt had been turned over for Collections at Wilber & Associates, P.C. While the situation surrounding the debt is frustrating for me, I recognize that the legal liability falls on me, regardless of the principal surrounding the issue. Today, XXXX/XXXX/15 at approximately XXXX ( PT ), I called Wilber & Associates with the intent of setting up a payment plan. When I called I was put on hold several times and transferred to a representative. Unfortunately, I did n't get the name of the individual that I finally came to talk to regarding the debt, but I was informed that the call was being recorded. XXXX the representative offered to settle the {$1200.00} debt for {$1000.00}. I told her that I was unable to do that. She offered to set me up on a payment plan with a down payment of approximately {$650.00}. Unfortunately, that is out of my budget as well. She asked me how much I could afford for a down payment, and I told her that if I can have until the end of the month ( 2 weeks ), then I could come up with {$200.00}. She said that she would set is up for {$250.00} by the end of the month and that money would go toward the down payment & I would pay {$250.00} a month. I told her that I can come up with the {$250.00} for the down payment, but there 's no way I can afford to continue {$250.00} a month. I would need payments around {$50.00} a month. She told me that was not an acceptable amount for a payment plan. She said that they would not refuse my payments of {$50.00}, but it would not be an official payment plan. Therefore they could still suspend my license and take any other action that is within their rights. I was getting frustrated, and I asked her if they had any other payment options for people that basically live paycheck to paycheck. She said no, they do n't. I asked her what they do for people who ca n't afford the money they ask for, and she replied that people make it happen. Growing more frustrated, my voice elevated a little and I asked her again, what they do for people who can not afford the payments they are requiring. I went on, expressing frustration that people who pay the high payments they require end up losing their ability to drive making it more difficult to pay them, but she was talking over me at this point. I lowered my voice again and told her that she was incredibly unhelpful. She chuckled at me, and in a snide/sarcastic tone the thanked me for complimenting her. I told her that she was n't really thanking me and I understand that. Increasingly frustrated, I expressed that I ca n't pay what she is requiring of me. She cut me off and told me to call back when I actually have the intention of paying by debt, adding that I will need paid it in full, and she hung up on me.