Legal Question in Credit and Debt Law in Texas

Debt Collector Advice

I set up payments with a debt collector in January in which I allowed them to debit my account for a agreed upon amount. I had them change the date in February to ensure that money would be available for payment. In June, I called to request that the payment date be moved from July 23rd to July 12th due to forseen financial difficulties towards the end of July. The collector got angry, cancelled my payment plan and referred my account to an attorney. I now have a lawfirm calling me, threatening arbitration and further collection activity if I don't set up a payment plan with them. I had not missed a payment since January and simply wanted to ensure payment in July. Do I have any recourse against the collector and law firm and am I required to set up payments with the lawfirm? I had made five payments up to that point and sent a sixth on July 13th.

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