financial troubles... tough times: they're shakin' me down

Very carefully read the collection letter below.

Pay special attention to the amount due.

I am being instructed to bring my account up-to-date (pay off credit), and it is being implied that lack of action on my part will damage my credit.

The amount due = $0.00.

Do you think they will allow me to set up a payment plan. If I cut back on my spending, I might be able to afford to pay $0.00 of my $0.00 balance each month, until it adds up to the total $0.00 I owe, but I bet they'll gauge me with a high interest rate, that when multiplied by my $0.00 balance, could really mar my standard of living.

I'm switching to WaMu.