Nimble pay collections insist on payment

Good Day, my husband has been going through some financial constraints, and we have been in arrears with lots of our accounts. however we try and make these payments that we are committed too. Due to the lock down i have advised nimble pay that i will not be making payment for the next 3 months as our salaries will be affected they insist that I am liable for this account and because I am paying below the required amount I am still required to pay, they are threatening me will legal actions.