If it is rent-to-own, you miss one payment and they have the right to plants collect it. For a regular department or furniture store purchase on a credit card, they don’t want the furniture back since they cannot do anything with it. They want the money, and will do whatever is necessary to get it, including taking you to court, & getting a court judgment.
If you do not pay in accordance with the court order, they can put a lien on your house or other property, take money out of your bank account(s), garnish wages, or whatever else is necessary to obtain payment in full. The payment, of garden equipment course, is not only the bill with interest, late charges and penalties, but also court costs, legal fees, collection costs, etc. Expect these to at least double the amount you owe. Also, a court judgment is a public record. It remains on your credit report for 10 years after satisfaction of insulation judgment and release by the court. But as a public record, it is permanent – your great-grandchildren will be able to obtain the court records, and so will everyone else.
Pay that bill before it goes to collections, and before home improvement it goes to court! Slash spending elsewhere until it is paid off.