I'd contact Citi direct, like lynn suggested and keep an open line of communication between you and them directly. If you decide to continue to use the CCS, I'd still periodically call your creditors directly to see how things are going (i.e. when was the last time they spoke to your CCS, any progress made, etc.).

If Citi wont come down to your # and still insist on suing you, ask em' if they'll agree to enter into a Modification or Forbearance Agreement. If you can agree on new terms with them by making monthly payments (until your situation improves), do you have any friends in finance that can take a look at the agreement before you sign? Will they accept a good faith payment from you to show your intentions are to resolve the debt voluntarily and give you 30 days to work something out with them?