<prompt> Human: I have two cards with AMEX. I let one go past due for 30 days, and another one is current. I just called them to take care of the non-payment, and the representative told me that the card with the most significant balance on was ALMOST sent to collections, and now I cant keep making the minimum payment and need to pay off the whole balance of 40,000 now.The representative told me that I couldnt make a minimum payment on 40,000 balance anymore and need to arrange a payment plan to pay off the whole balance in under 12 months. They are forcing me to pay it off aggressively or they will send it to collections.Keep in mind that I just arranged a payment to catch up on that card and put it in good standing. Representative told me that this just lets you off the hook for a couple of weeks, but we need to get the whole 40,000 within 3-6 months.The question is, how is this legal? Lets say somebody has 30K balance, misses a payment for 30 days, and comes back to take care and they tell them that they cant make minimum payments now and need to pay off 30,000 ASAP. Does this make any sense or was he bluffing?What I want to do is call them back and tell them I want to keep making payments on my terms and will not do a payment plan that requires me to pay 5500-6500 per month instead of paying the minimum 1000-2500 at my discretion. Does that make sense?Please advise, I feel like he is just trying to get all the money out of me and I dont understand how telling people they cant pay the minimum anymore and need to pay off the whole card due to a missed payment makes sense or is legal. I can just tell them to send it to the collection since Im not planning on paying 6500month  <response>: We may consider your Account to be in default if: we believe you are unable or unwilling to pay your debts when due. If we consider your Account in default, we may, to theextent permitted by federal and applicable state law: require you to pay more than your Minimum Payment Due immediately, and require you to pay your Account balance immediately. 