Emerge MasterCard rude ripoff Columbus Georgia

I've been dealing with Aspire and then Emerge for over 5 years and I've never been late or delinquent on my account. Since they have switched to Emerge my account has been over the limit and i cannot get back under. First of all i don't understand how i got that far in debt. Every time i call to make arrangements with them to set up with a credit counselor they give me attitude and tell me i can not do that. When i call and say i'll make payment arrangement with them they refuse. There has to be a way to clear this debt. I feel that i should just stop paying them and not answer their calls. What should i do?

Sabrina
Newark, New Jersey
U.S.A.