UNPAID CREDIT CARD

Pls help me nman po... I have credit card from BDO and and I wasn't able to pay it due to financial problems. May pumunta dw po sa haus namin from collectors department dw ng LAW FIRM ng BDO and nag iwan po ng letter n mkipagnegotiate dw ako sknla. Nkipagnegotiate po ako saknila via phone, pero they said i need to pay my 13K obligation within 2 months, bali 6k plus every month.. or 2500/monthly for 6 month.. pero as of now d ko po kaya makahulog ng ganun kalaki dahil financially unstable po ako now. I'm willing to pay nmn po kaya lang d ko lng talaga kaya un pnpasettle nila. I asked them kung pede kahit 500 per month muna pag nkaluwag then i will pay nmn po. Sinungitan lng ako nun girl n nkausap ko, Gawan ko daw ng paraan dahil madali lng dw un amount n un, (sknila cguro madali), humingi dw ako ng tulog s mga kamag anak ko. Pls help me po anong dapat gawin? Thanks in advance..

Pls help me nman po... I have credit card from BDO and and I wasn't able to pay it due to financial problems. May pumunta dw po sa haus namin from collectors department dw ng LAW FIRM ng BDO and nag iwan po ng letter n mkipagnegotiate dw ako sknla. Nkipagnegotiate po ako saknila via phone, pero they said i need to pay my 13K obligation within 2 months, bali 6k plus every month.. or 2500/monthly for 6 month.. pero as of now d ko po kaya makahulog ng ganun kalaki dahil financially unstable po ako now. I'm willing to pay nmn po kaya lang d ko lng talaga kaya un pnpasettle nila. I asked them kung pede kahit 500 per month muna pag nkaluwag then i will pay nmn po. Sinungitan lng ako nun girl n nkausap ko, Gawan ko daw ng paraan dahil madali lng dw un amount n un, (sknila cguro madali), humingi dw ako ng tulog s mga kamag anak ko. Pls help me po anong dapat gawin? Thanks in advance..

your options are to ignore them, find the money or keep negotiating. just avoid changing residence or office without informing the bank