Under WA state debt collection laws can a creditor refuse to accept payment plan if the account is in litigation

Trying to pay on an account and the creditor isn't accepting the payment after agreeing to the arrangement: I am trying to find out what rights I have. Due to my wife being unemployed for a large amount of time this year I fell seriously behind on my capital one credit card. I since have been making monthly payments that haven't been enough to catch me completely up. She was laid off again in august and had set up arrangements to make a payment in October because I was unable to pay in September. Upon calling to make the actual payment my wife (who is not on my account, but frequently submitted payments) was informed that my account had been sent to another agency and I could no longer make payments. They gave my wife all of the information in lieu of requesting to speak to me. They informed her that my account was up for litigation. The agent was quite rude to her and made a few threats (and going so far as to ask if she had a rich grandparent she could borrow the money from). I am trying to make good on my debt (and offering far more than they would garnish if it got that far, since my wife is now back to work). I went so far as to call and speak with Capital One's collection manager who took payment arrangements (even after being told we couldn't make a payment). The first of three payments was to be automatically withdrawn from our account on the 20th. My wife called them this morning as they haven't withdrawn the funds and while they acknowledge having set up an arrangement with her, they refused the payment and forwarded her to the agency. She spoke with a man who told her we needed to come up with the payment in full or nothing because it was pending lawsuit. We are doing everything in our power to make good on the money we owe. We aren't trying to claim bankruptcy as a way out or anything like that. What rights do I have? What steps do I need to take? I am unable to set up a payment online as my account is frozen. Should I just set the arranged monies aside and wait to be served or should I hire a lawyer. I don't want it to go to court but don't know what else to do when they won't accept the money... - Is this your question? Add additional information