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I am very sorry to hear about your situation. Unfortunately, they are not required to offer you a payment plan, but they are supposed to mitigate their damages and if you are showing a willingness to make payments that is evidence. If they take you to court again, you might want to show the judge your phone records and copies of your email that showed you made good faith attempts to work with them and were not avoiding your payment responsibilities.
Let me know if you have any additional questions.