Payment agreement

I can't really rate them with this complaint. I do have a payment agreement with them. I done payment for 5 months and found myself unexpected retrench. I contacted them and they could assist me with a holiday payments for 3 months. I could not found myself any work or income to generate the money to pay them. I decided to sell everything what i have to pay them. It's still not anough. I did contact them to explain to them. They say what they could do, they done. I was under impressed that on the down payment there is some insure to cover them but also myself if it happened that i can't done payments anymore for whatever the reason could be. So, no insurance coverage and they threaten me with summers and take me to court. What else can i do to stop those threats. I contact NCR and Debt consultants without any success due that its not a lone but a payment agreement. I'm not in arrears yet but its most possible that in the next month this is the road for me.