Should I avoid the payment plan given to me by my credit card company?

Should I avoid the payment plan given to me by my credit card company? So after a very rough year and a half of unemployment and working low paying jobs, I missed several card payments for the first time in my life and the amount has been too high to catch up with my income. I’m slowly catching up on all my bills, but I’m so behind on this one, I can’t fathom being caught up. They closed my account last month and o...

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