1st the history of the debt. I had a vehicle repossed in 2008. The vehicle now shows charged off on my credit from the original creditor. In 2011 Main Street Acquisitions company claimed to of bought the debit and sent a collection agency after me on their behalf saying pay us $14000.00 or be sued. So after saying sue me they countered for about half payable, in 12 months. I paid the total down to only oweing about $2300 dollars then took a paycut. I told the collector I was about to make another payment but it would be my last at the agreed amount in which he said no problem, after the payments made I'll tell M.S.A your about to file bankruptcy and need to settle before you do. So I called him after that and.. no call back from him! They of course wrecked my credit. Now fewmonths later a new collector is attempting to collect or M.S.A and sent the "attorney" letter. What do I need to do? I live in Missouri and can't find any laws pertainin to 3rd party collections. I'm trying to improve my credit.