Almost everyone can fall upon hard times, where they find it virtually impossible to pay their debts on time. When this happens, your debt accounts are handed over to a debt collection agency, such as jacobs marsh. The collection agency then in turn proceeds with their normal pattern of collection methods. These may include mailings, phone calls, or even legal action. They will persist in their attempts to obtain payment in full. It would be wise to contact the Lexington Law Firm as your representative. They are aware of your rights, and perhaps will be able to work out a payment arrangement that suits your budget.