Wanting some advice before I commit to a payment plan. I have 2 Citibank charges approx. 5,000 total. Fell on hard economic times,haven't made a payment in 2 yrs. Asset Acceptance,LLC got my accounts. Wanting to take me to court, I asked if they would settle for less as my American Express did. They said no, only a payment plan of full amount.Would it be better to do this, or go to court and risk more financial penalties?