Leased my vehicle in FL before moving to CA last year. I owe $950 in excess mileage fees. Volvo said they want $200 minimum per month until it's paid. I told them I can only afford $100 per month. I have mailed three $100 payments with a fourth being mailed tomorrow. They called me yesterday threatening to send me to collections/attorney and place a "charge-off" on my credit reports. Since they accepted and deposited the $100 the previous three times, are they, by law, unable to send me to collections?