the collection agency wants the full payment, how can i get them to let me make payments ,

A collection agency may not be interested in taking installment payments, but they are likely to take a lump sum payment for much less than the amount owed. Collection agencies often buy debts from the original creditors for pennies on the dollar. If you cannot afford to make a lump sum payment, I suggest saving a little money each month until you can offer a more substantial sum. If you are being threatened with a lawsuit, bankruptcy may be an option to consider. You also may want to consult an attorney who deals with debtor/creditor issues. They may be able to broker a deal for you.