u/Limp-Chipmunk8195

Hi everyone, I need some advice regarding my Emirates NBD credit card.
I have an outstanding balance of around AED 20,000, and my payment has been delayed for about 60 days. I recently received an email stating that my card has been permanently blocked and that the outstanding amount has been transferred to a third party for recovery.
I have already emailed the bank to ask about resolving the situation, but I haven't received any response.
Has anyone been through a similar situation with ENBD? What is the best way to handle this at this stage? Can I still request an installment/payment plan or negotiate a settlement with the bank or the third-party collection agency?
I want to resolve the debt and avoid the situation getting worse. Any advice or personal experience would be greatly appreciated.

Looking for a spacious room for a couple around Burjuman or nearby karama mankhool .A studio or master bedroom in a shared apartment is fine. Budget is AED 3,000–3,500/month.
If anyone has any leads or contacts, please let me know. Thanks!