Worse and stupid staff

This company is worse by far once asked a payment break becuase I had alot going they declined and I asked for minimum payment they declined. I stopped paying them now. They calling everyday their system needs to be upgraded, i can't speak same thing to everyone and that time their employees think they smart. If I can't afford to pay you you call me. A million times it won't change I told you I can afford to pay you 3000 a month, rather extend the period I will pay if you can't then i wont you as I won't pay and still account stay in arrears. So you can do that or continue calling me a million times and threaten to blacklist me till the account prescribes