Past Due with Citi Cards

Hello all,

I posted this on the wrong forum at first, sorry :)

First off, I have to say that this forum is phenomenal with the amount of knowledge that can be found here. I have used this in the last 60 days to figure out more info on collectors and negotiations I have been working on.
I am a first-time poster, and here is what I need assistance with:
I am working with Citi cards to pay my account down. As of my last statement, if a payment was not received, I would officially enter 6 months past due, and go to a "charge-off" state. Amount owed is $5700, and each month $133+ interest and $35 late fee is added since I have only paid them a total of $325 in the last 6 months, and was past due even before that. I was on a short-term plan in February 2011 which lasted a year, so I am not eligible for a new plan until February 2013 since a year between plans is required. This month I was able to pay $370 which takes my account into 5 months, and the next billing cycle will happen this week. I have been in constant contact with these guys, and I cant seem to get anyone there to put me on a plan NOW, they say i have to wait until February.
Because my wife and I are both back to work and I have now caught up with everyone except Citi, I am prepared to get on a plan but need to know the best way to "qualify" for it. I want to pay them off, but cant keep having all the late and interest fees added because its just going to make it harder.
What advise do you have? What else do you need to know about my situation? What should I do?