They may sue you, but it's cheaper, easier, and less time consuming if they keep you on the payment plan. Plus, if you've made timely payments for 18 months, the law firm is more likely to get you back on he payment plan than to sue you. I would call the law, confirm they received the payment, and let them know that you want to continue with the payment plan until you pay off the debt. Then, send them a confirmation letter.
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You are asking us what someone else will do? Who knows? If your legal question is if they are allowed to default you for being 20 days late, the answer is most likely yes.Ask a similar question
Besides your letter, you may also want to call the collection agency to let them know of the situation. If you have been on time in the past, they may be willing to work with you on the late payment.
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