Unwilling to assist!!!

I received a 20 day notice stating I was going to be reported with the Credit Bureau and that I should contact the Accounts Department to make arrangements to pay the arrears on the account.<br> Upon calling the Accounts department, I was advised that there is nothing they can do once the account is in the process of being sent to a debt collection agency, even though I called before the 20 day period was reached, and that I need to wait for the collection agency to contact me.<br> I am trying to make arrangements to pay the account and Direct Axis is not willing to assist me. I am trying to prevent my credit record being tarnished and they could care less. I do not want the account sent to a debt collector and want to settle the arrears so that the account can continue as normal.