Unsure what to do about debt

So, a while back I had to use care credit during a period of joblessness to pay for a couple of dental crowns, and the credit obviously was able to cover the costs. Well, over time I was able make payments here and there, small, but payments nonetheless. That being said, earlier this year, I lost my job and had to block the loan company from taking money out I didn't have in my bank, and I kept getting more and more statements about how much I owed. Sure enough, I called my bank recently to unblock the loan company since I have a job now, turns out I've been royally screwed. To back up a bit, I was going to pay my payment on Synchrony Bank, who I did the loan through for Care Credit, well, my account was mysteriously not there, so I called them and sure enough, they told me they sold my account to ANOTHER company called Midland Credit, so I call them. Nope, account is in limbo since they transferred it recently (Synchrony Bank), in the end, I have to wait at least two weeks before I can pay off my balance on my loan. My question is, why the hell did they not tell me they were going to transfer it over to Midland Credit? Shouldn't they have at least sent me an email on the 22nd, the day they start the account transfer? To me, that sounds like a very shady business practice, especially when it was done without my consent.

I am very tempted to not pay my loan for some time now, just out of spite for what they did without my consent. Or, even better, spend the $200 or so I was gonna pay for the late payment for a 3DS XL instead. Okay not really, but you see where I'm coming from. How can I be expected to make payment if my account is in limbo? What do you guys suggest? Oh and once I get this paid off, I'm never taking out a bloody loan again.