Do they have the right to p this to collections?

Well I don't know where you live but the Laws are different in every state. But most generally they have to accept what you offer. If they accept that offer they don't send it to a collection, But some of them can reall be funny about what they accept. I once had a company tell me what I offered to pay wouldn't even pay the intrest. And then he told me the laws were different in his state and I wouldn't like it. Well when I called my atty. He said that they could no refuse my payment if I was making and effort. I would contact an atty and just ask them because they may be able to lead you in the right direction. But it doesn't seem like they could do that to you if you have been paying and they have been accepting your payments. Hey keep me informed I will talk to my atty and see what he says to and let you know. Have a good day and keep your chin up...