I live in North Carolina and I am a single parent who lost there job several times and have been fighting to get back on my feet and make ends meet. My question is, with my unsecured debt, there are to companies that have filed civil suits against me for payment. Are they allow to refuse payments from you if they are not in the amount that they want and continue to push legally? I want to pay off my debt but with what I make and what I can pay it would be about $50.00 to each company. I thought that goal was to get the debt paid?