I'm trying to make my payment over the phone they keep saying the amount I enter is more then the amount is due????

If you pay over the phone it's 3 dollar's more.If you pay online it may tell you it's going to take a fee too.Just plan on making at least 3 dollars more per payment.You physically have to make payments if your not locked in via checking account where you have given the account info, your El Banko, to the Gainsco accounting association.Again it's a one time deal, if you F☆☆☆ up and money's not there you are barred from that type transfer to Gainsco.Have a good luck!

Plus I went online to see how much I owe it said 0 dollars but I know my payment due

Call customer service in the morning.. hopefully it's not due