I was in an accident on XXXX/XXXX/2015. About a week later around XX/XX/XXXX maybe I found out I did not have coverage from my insurance company that it had lapsed. So first thing I did was contact XXXX XXXX. Who was the Insurance Company of the girl I had hit. They told me to wait that I would get a letter in the mail. So I waited and I got it a few weeks later. I was in contact with the girl at XXXX XXXX. We chatted back and forth by e-mail, phone, and a few letters. I told her I did not have coverage on that day. That my insurance had lapsed. I told here I was willing to start a payment plan. She told me that I would get a letter from another department or service to set that up. I did not get nothing over the next two weeks. So I contacted her again and she gave me there information. I contacted them, they told me to wait for a letter. I got that letter. I called them and we agreed on a monthly payment amount. They said I needed to make the first payment and then I would get an agreement in the mail. So I did and I made another. I still did not get the agreement. So I contacted them again. We came to another agreement and they said we would do new plan. And again I had to make the first payment and then I would get an agreement in the mail. So I made the 1st payment on the 2nd agreement. Then I made a few more. Never getting the agreement. So I stopped making the payments. In turn made a good faith effort to settle the matter. I was the on who contacted them first. About 2 months later they sent me a letter but i did not get untill 2 months later since I had moved and was now living in XXXX. I replied to that letter stating this facts above do to they said they where going to do this and that and I was not working with them on this matter. At that time in the letter I sent to the Service Company, To XXXX XXXX Corp Office, and even to the Driver of the other car. Telling them what had happened and what I have done and where I was at now living in XXXX. I sent them letters from XXXX along with my Mom printed out a letter and mailed it from XXXX. Along with this while I was still willing to work with them I was in dispute of the total amount owed. When I got the first bill for her repairs in was XXXX somthing dollars. Then after I got the letter from XXXX XXXX saying I was 100 % liable I then got another letter saying that the new total was jumped to over XXXX dollars. Based on this, what I had seen of her car at the accident, and the fact that she had been in another accidents in that same vehicle in the past year I requested the estmates and what ever the adjuster and the body shop had to justify the repairs. I stated I wanted in insure that I was not paying for any damage that had been from her prior accidents. And being that XXXX was going to pay one amount for a repair when they might be on the hook and then another amount if someone else was paying. I requested this information fro Farmers when I got the XXXX {$7000.00} bill, I again requested it the 2 times I set-up payment plans, and I requested it again in my letters that I sent earlier this summer. When I was in contact with Farmers right after I got the {$7000.00} bill and when I was setting up the payment plans I was told amke the payments and I would get the agreement in the mail and the info I requested on this accident and any prior damage the vehicle had. In good faith I made my payments as the record showed. But I never got the agreement or anything I asked for about the debt. Then I got letters saying do to them attempting to collect the debt and I was not willing to work with them. This is as far from the truth as you can get. I was the one that contacted them first. I started to make payments 2 times to start to pay down the amount even when I was in dispute about the total amount. They contacted Mom my about this debt by phone.