Disgusted with advertised arrangements

Called to advise that due to personal reasons i wont be able to pay this month's installment and wanted to arrange to repay same over the next 3 months on top of my monthly installment, as this is one of the options as stated on their website. Now they cant make arrangements because it is 3 days prior to my installment due date. I cant do anything about the fact that this is the time something happened which is causing me not to be able to pay my installment. Now if i skip, it will go to legal, then ill have to pay legal fees, and then ill make an arrangement with them anyways. This can be cut out, but then MFC wont make more money. Utterly disgusted.