Even though I have been sending them small payments, Cash Central is threatening to report me to the 3 major credit bureaus unless I pay them the balance due by December 31st. I have explained to them that I can only make small payments because I have recently filed for unemployment benefits and am not currently employed full-time. I am in California and they are in Utah. Can they legally report me to the credit agencies? I did not think they could. Also, I am showing my intention to pay the debt by making payments to them. They should be working with me on this.