FNB Credit Card

Due to unforceen circumstances I was unable to make payments on my credit card. Fair enough the account went legal. But to have 6 different debt collecting agencies phoning you on a daily basis about this account is ridicolous. i made an arrangement with one company and now all the others say no i must make arrangements with them so at this moment i really upset and confused who to actually make arrangements with. When u phone FNB nobody can actually give you the correct information.