u/michaelnovati replied ·
Hi, I can give you advice from the program side.
1. Contact the program itself, hopefully you are on good enough terms to do so.
2. Make partial payments for the "correct" amounts you think you owe to show good intentions, while Leif/program are sorting things out.
3. If you don't pay by the due date at all, I think they just carry forward your balance and you have to not pay for 6 months to go to collections or something. Double check if you have late fees though.
4. The program has to direct Leif to pursue collections. You won't have "legal problems" per se from Leif.
5. I would recommend documenting your stuff on your own in a spreadsheet so if something does happen, you should you were on top of things and organized.