A credit card company has placed a lien on my checking account what can I do now to get it removed?

I had previously been sued by a credit card company and I paid off the majority of the balance. I was unable to work for over 2 years after a serious injury and when I was not working I was unable to pay. Now they are saying that I owe them 3 times the balance on my account and have placed a lien on my checking account for twice what they are saying the balance is. In the state of IL is it legal to do this?? I have just started back to work and offered to make a payment arrangement until I can do better. They will only accept full payment is what they told me. Would it be better to file bankruptcy or to just go ahead and pay ?? If so who do I pay the bank or the creditor? I do have other bills that will also need to be paid and I dont have much money to work with.