What do you think is the best course of action?

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I have a Pre-Trial conference scheduled on 4/2/14 for a lawsuit CitiBank has against me (credit card debt $10,000). CitiBanks lawyers sent me a letter with 3 payment options. Two I could not afford but the 3rd option was for me to call them to discuss long term solution. My question is should I call or wait to see what happens at the Pre-Trial conference?

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I understand that but since these lawyers are representing the actual financial institution I was not sure how to proceed. I would imagine I'd be seeing them at the Pre-Trial conference anyhow. What can I expect at the conference???

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