conserned

Atlantic is being totally unreasonable here. Your response will depend on a few factors.

Who owns this debt? Is it Atlantic, or are they representing a creditor? Please let me know so that I can better assist you with this matter.

Thanks so much!

Marie Megge

Atlantic is a junk debt buyer.

Your payment agreement was a contract that you apparently defaulted on. So, yes, they can now demand terms outside of that contract.
You can choose to comply or not to comply. The ball is then in their court. If you dont meet their demands, it is up to them to seek your compliance. They can do that by suing, and putting the matter before the court. It is then up to the judge to decide what is fair to each party under the individual circumstances of your situation. He or she may hold their demand to be unreasonable, and set other payment terms. But in the end, if the debt is legitimate, they will most likely receive a favorable judgment, and then you will have a judge deciding, under order of the court, your repayment of the debt.