I made arrangements with a debt collector to pay off a balance in 3 monthly installments. The arrangement was sent to me in writing by fax. All payments were to be taken out of my checking account with postdated checks. The first payment was made with no problems. However, due to financial difficulties, I could not make the second payment. I made several attempts to contact the collector with no success. No one returned my phone calls. I never received the required mail notification of the collector's intent to withdraw the funds on the next date. So, I placed a stop payment on the second check. I just discovered they deposited the third check, which wasn't to be deposited until 2/15. However, they did change the deposit date on the check.

My next step is to contact the FTC and find out how to pursue this. As of now, I am livid. I am in a situation where my account could be overdrawn, and I have very little money. Anyone believe this was a violation of the Act?
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PLEASE READ THE ACT BEFORE ANSWERING. THE FAIR DEBT COLLECTION PRACTICES ACT CAN BE FOUND AT ftc.gov. THANK YOU.