Cabot Theats Help?

Hi I'm hoping someone can help me, I have been paying Cabot £1 a month and also other collectors, but Cabot is now saying that there software indicates that I can afford to pay more (which I cant)
They are saying I must contact them now or they will get a court order for a CCJ against me.

I'm not very good at dealing with these people they just talk rings around me.
I don't know my rights if I have any, I don't know what to expect from them?

If anyone can advise me please, I'm feeling stressed and panicked again with these people. Thanks.