Rude and unwilling to work with you! I called yes...

Rude and unwilling to work with you! I called yesterday to set up a repayment plan for a debt and was flatly refused. The last time they wanted to settle, I wasn't working at the time, so obviously had nothing to pay with. Now that I am working, I get a letter in the mail warning me of wage garnishment. They didn't even try to contact me about repayment; just jumped to this garbage! This debt is 10 years old! If I didn't have to leave a rating, it would be in the negatives. They have done nothing but harassed me all this time.