Wow...told them I wouldn't be able to pay them this week, that my account was frozen and that I would pay the whole amount by money order or western union on the 20th of this month.
The nice broken-english speaking gentlemen informed me that they will not accept money orders or western union and that they will still attempt to debit my account (now frozen)to let it get returned so that it goes directly to their collection agency and they will accept the western union payment.
I asked what the collection agency's name was, and lo and behold it's called "Cash today limited collections department