I was retrenched and sent all the required documents to absa, the credit card had insurance which only paid a portion

I was retrenched and sent all the required documents to absa, the credit card had insurance which only paid a portion. They said I can pay whatever amount I can afford on a monthly basis but they still handed my account over to their attorneys who have already blacklisted me yet they expect me to commit to something i can't afford since I don't have any source of income.