If I send a creditor a letter, trying to make payment arrangements to repay my debt. Following that letter I sent the amount that I informed them I could afford to pay and they cashed the check. Am I wrong to assume that they were agreeing to the payment arrangement? I just feel if they didn't agree then they wouldn't have cashed that check. Instead they filed for garnishment of wages and my savings/checking joint accounts, now my family is suffering, because we can't pay the rent, insurance, buy groceries, until they release the accounts.