Devastated

I have been handed over to Norton Lambrianos and I received my first communication and any sort of contact on the 20th of August, responded and emailed Karin immediately to advise her that I accept what she has sent me and asked if I could pay from October as I am currently unemployed and start working in September and will make a payment from October onwards - no reply whatsoever! Today I got another email and sms stating that if I do not make payment by close of business today I will be summoned. I called in a flat state only to be told I have till Friday to make a payment of R655 and they cannot accept less. I understand I owe money but I have had no prior communication from them or ABSA. I cannot pay till October and even then can only make a payment of R500 a month. I am beyond stressed out, upset, worried and now scared. Please could you assist me that I make a payment directly to ABSA of R500 a month and until I can I will increase it to a bigger amount. I just need to get back on my feet.