Legal Question in Credit and Debt Law in Michigan

Hi i have a balance which I owe to Gateway financial services for a defiency balance I am trying to pay off from a vehicle which I had purchased and then had an accident. I was unaware of gap insurance at that time was never offered it. My insurance did a payoff and I am still paying monthly payments to this company on top of having to purchase another vehicle. i was having a difficult time and became late on my payments for a while and had some broken payment arrangments, but did keep in contact with them weeekly. Recently I tried to pay the minimal amount to keep me from defaulting and Iwanted to work out arrangments on the rest which i was behind on. A supervisor in the collections department called me and said they only thing they would take is $375.00 and that is it or they are filing suit. so it better be paid and before she hung up the phone she said to a coworker "I let her have it". I talked to a manager abover her and she said I could make the payment but they would still send it out. I tried to get on the website to make the minimal payment and it stated I was not allowed access to the website and contacte administrator. That was the last day to make payment and I think that is why they locked me out so i could not. I called and left message for supervisor to find out what was going on and to see if i could still make the payment she still has not gotten back with me. Very poor customer service, unprofessional comments by collections supervisor and I saved it on my cell phone. I have payed alot of money , plus my insuance company did as well, and they still say I woe over $3,000. Now I think they are going to try to garnish my wages because that is wheat the supervisor told me they were going to do. Will they contact me first? i dont know what to do, should I try to contact them or their attorney ? Any information would be helpful as this has never happened to me before.

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