No comsumer care whatsoever

I contacted MFC last year January 13th informing them that I need to make arrangements for Jan and Feb because I had just lost my job. I was blatantly told that it's not possible and that I need to make full payments. I made means to make my payments up until the past few months where I was not able to make payments and because I did not have and my businesses where going through glitches. I am now self employed and sent an email to MFC to make arrangements and they said my query/complaint will be resolved in 2 days. I still have not received any correspondence from the gentleman, if not my cellphone then even my email. All they do is threaten court orders and take my car there is nothing else they care about. I never said I will not pay them, I said I need to make arrangements, do I not have rights as a consumer to make arrangements?