I finally got my payments set up!!
The CA (Premiere Credit of North America, LLC) first said that I needed to pay the balance of $3650 in full because it showed i was in 'refusing to pay' status. I told him i didn't have the money and wanted to enter the rehab program. He said he was not sure i qualified for it, but asked "could you make a $2900 payment today, it will save you 20%?"
i said 'no' i can afford about $50/month right now. Then he went on to say "how much can you come up with today to settle this? you never know, they have been known to settle for crazy amounts!".
I told him i dont have money right now, but i MIGHT be able to BORROW maybe around $400 from someone!?. he said "Let me check"... he came back and said "Guess what, you do qualify for rehab after all and your payments can be $50! what do ya know, thats the minimum we can accept!, BUT we need a $400 down payment and then its $50 there after" he said "the rehab requires a 10%-12% down payment"...
my question to you smart posters is;
Was he lying to me about the down payment? what a coincidence that the down payment just happened to be the amount i said i might be able to come up with that day to settle!
Either way, his manager came on the line and said i can make my first payment/down payment of $100 and $50 there after!
thanks for all the info everyone!