<prompt> Human: Im in my 20s. I got a credit card when I was 18 and its maxed out at 1200. I havent been paying regularly stupid, I know and the account has been passed to a collections agency. They sent me a letter saying if they dont get the full payment in a week theyre going to commence alternative repayment initiatives. I imagine small claims court but I dont know.Im calling them tomorrow to verify that they have my account as opposed to a scam and to see if I can set up some kind of plan. The thing is I dont have a big income and 50 of my monthly pay check goes to rent. Looking for advice on how to approach the collections agency in such a way that theyll allow me to pay smaller amounts over time. Any ither advice re this is also apprciated.  <response>: Call them, explain your situation with a little, but not too much, embellishment. Give them an honest monthly payment you can make. 