so about 6 months ago, i caught up in some debt with a bank. they wanted all the money at once, and i did not have the funds, i offered to pay back monthly in payments. the refused me. after that i have not heard from them aside from a statement saying my account was at balance 0 and my account was closed.
however i have just recently gotten a phone call from a collections agency looking for the money. they tracked me down and phoned me at work.
now im upset, because i offered to pay them back in segments in the first place and they refused and sent me the closure statement. and now i have a collections agency after me...
im not sure what im asking, but i suppose,
is this right? or legal?

