@kulot
kung di mo kaya bayaran in full, dont waste your money paying finance or interest.
isa-isahin mo keep yung statement, starting the last time you paid them. tapos yan gamitin mong amount na babayaran mo sa bank, once they send it to credit services / firms kung san ipapasa ng mga banks. yun ang bayaran ng installment, this way wala ng interest and/or finance charge. imo wala ng sense pilitin kung di mo na talaga kaya.
eto naman option 2kung mababayaran mo naman yan within several months at sigurado ka bago mapasa sa credit servicea eh bayaran mo na yun minimum, then full payment pag naka recover na finances mo.