Blue World Pools review: payments

My husband and I bought a pool from these people, we have made our payments every month without fail for the last 2 years. Okay now the problem is last December I called them, talked to Luther Davis and told him the money would not be there (payments made only by EFT) . As I had lost my unemployment and no other income coming in we were struggling . They took the payment anyway therefore causing my house payment to bounce. I then again called Blue world pool and complained. They told me too bad I was under contract, so we closed the account. Now this is 2 months later the only way they will accept payment is by EFT. I wasn't asked I was told to get out and get myself a Walmart Debit Card or start packing boxes. I am working and trying very hard to catch up all my bills and they are not working with me at all. I have 2 American Express money orders sitting here made out to them for January and Febuary payments. So here we sit do we take them to court before they take us or what . Out in the middle of the lake with no life jacket.