Can anyone answer this question for me??? I just need to know if someone is collecting on a debt and the company says you have to pay this off in 3 months and the debtor can't pay it off can the company send them to collections even if they are making monthly payments? I know it is not feasible since it usually costs 30% more for the account to go to collections but I had a customer tell me there was a law that states if they make any kind of payment (she said even just $25 per month) that it was illegal to send her to collections as long as she was paying something even if it isn't the minimum requirement per company policy...I haven't found anything like that but can someone please help me with this issue.