<prompt> Human: Hey Reddit. Ive been helping my fiancee negotiate some medical bills that got sent to a collection agency, and all was doing pretty well and it was pretty civil. Fiancee had told me that the person she was working for lets call her V was being bitchy, but I wasnt really seeing it from our previous calls.Come time to make a sort of payment arrangement, we settled on about 35 per month for how much I make, it was the best I could do as there were other things that need to be paid off. She sounded agreeable up until the point I requested a written agreement for the terms.All hell breaks loose.Her tone immediately gets defensive on me, and states that none is needed for this as this is a courtesy offered by them. Caught offguard, I let her know that since we are entering into an arrangements of sorts, I would like to have it in writing for my records. She starts telling me: They dont send out hand-written letters and everything is automated. They have it and everything weve talked about on their records. Shes wasting 5-10 minutes of her time on 35 Shes never even accepted something that low Shes not about to argue over 35. Shes going to end this call.Every reason she tells me why she cant do it, I simply keep my stance of wanting a written agreement for my records as well. I even told her that I appreciate the time shes spending working this out with me and that Im not arguing, I just want to work this out and have it in writing. She ended the call by saying that if a 35 payment wasnt posted, she would have to take further steps, and wished me a GREAT day.Im a little shaken, and I cant help but feel that I might have fucked this up. I did my best to stay calm, but I hope I did the right thing. What do I do from here?TL;DR: I attempted to go for a 35month payment plan for a 680 medical debt. Collector was amicable until I asked for it in writing and gave me a bunch of excuses why it could be done and hung up on me.EDIT: Hey guys, sorry about the late response as I just got back from work. As I initially typed this up on a break, I added a TL;DR and gave a few bits of info that were missing. I should add that this debt is one of many; she has a few medical bills that cropped recently, and I have my own debt as well which dwarfs hers, but thats college for you. I know the debts are valid and that they need to be paid off, but the initial period of naivety in thinking that ignoring them would make them go away is over with. For all that reading on how debt collectors are supposed to be, this was my first experience actually dealing with one and I was wondering what the next step in this process would be. Thank you for your input.  <response>: Shes wasting 5-10 minutes of her time on 35 Shes never even accepted something that low Shes not about to argue over 35.But it would be worth her time to take further steps for your 35? Please. You did the right thing by staying calm and standing your ground. Let them know that all future correspondence will have to be done in writing. Know your rights - heres some info about what they can and cant say and do. Note especially that they cannot harass you and they cannot threaten legal action unless they actually intend to sue you. 