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Gmac Smart Lease / payment late 1 day

1 Bloomington, MN, United States

I have an agreement of paying so much for the overage on my old lease. My payment was 1 day late due to the mail system, they are asking me for an amount in which I cannot afford, and are automatically sending my account to collections. The girl I talked to on the phone said I had the option of calling in my payment, which I had no idea I could. She then said that I could talk to a supervisor the following week, what is that going to do now when I need to talk to someone, next week will not work for me.
It will be after the account goes into collection.
They said that if the mail doesnt get there in time, then they take action, what about the letter that they sent out to me that was dated on the 9th and I recieved it on the 17th. And they will penalize me for that.

Rm

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