What arguments would support the claim by the Cogginses that they were not liable for $20,000?

The Cogginses made their first payment in accordance with the agreement. The second payment, however, was delivered three days late on June 4, 2016. Claiming a breach of the contract, Associated contended that the remainder of the original balance of $20,000, plus interest and cost, were now due.
a. What arguments would support Associated’s claim for $20,000?
b. What arguments would support the claim by the Cogginses that they were not liable for $20,000?
c. For what damages, if any, are the Cogginses liable? Explain.

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