third party creditor agreed to $4800 of $5800 credit card debt. Called collector two days before money due to say 401K check would not be available for another day. She said no problem, we will post, but because of 4th of July holiday, will not present to bank for another couple of days. I said OK, even talked to a supervisor about it. Well, they presented check on the original date, the very day, I asked them not to and told them it wouldn't be there.