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You can certainly call them up again and explain your financial hardship. However, you need to tell them what you CAN pay, not what they want to hear or else you will be in the same situation in a few months. You want to convince them that it is not worth suing, since you have nothing for them to go after and it is better for all parties to agree on a monthly payment plan. it does seem odd that the account is still open and they only ask for $138 a month, since you could have been paying that all this time, which is much less then the $1000. As such, they may reject or return the payment if you try and make it. You do need to call their attorney, who is handling the case, to try and work this out to prevent them from proceeding with the lawsuit and filing suit and getting a judgment
I just wanted to follow up and see if you had any other questions or needed me to clarify something. I am here to help, so please let me know. Thanks!