<prompt> Human: Long story short, I bought a necklace for my girlfriend last September for her birthday. I financed the necklace. It cost me 680, I paid 300 the day I bought it and was supposed to pay the rest off over the next 6 months. I moved away to another state and just forgot about it...I got a call from a debt collector a few days ago and after all fees and crap I owe 1,160. I give him the go ahead to withdraw the amount I owe on September 7th, 2015, I called on the 8th asking why it hasnt been taken out holiday obviously and I knew this he says it will be taken out by end of business on the 8th. The 8th comes and goes, no charges withdrawn from my account. Is there any legal grounds for me to dispute getting it withdrawn in the future? I told him multiple times I would like it withdrawn on 7th, he said okay, then he promised me on a recorded line that it would be withdrawn today. If I need to pay it, I will...but if I can save that money and anyone knows a way, please help :  <response>: pay what you owe, be more responsible next time. 