However, I was told by collections that I would have the ptty to pay the balance ( 3,950) within 48 hrs and the acct will be reopened. I find this ridiculous considering my payment history and cannot make a substantial payment for about 3-4 weeks. I am "current on the account now" but it is closed pending payment????? Has anyone ever encountered this? I do not want this closed by creditor on my CR. PLEASE HELP with any suggestions. Thank you soooooo much in advance.