My question involves collection proceedings in the State of: New Jersey

I was sued for a credit card in which I entered into a Stipulation of Settlement the amount I settled for was $597.00 from an over $800 complaint that was filed.
I made my 1st payment in during the summer of $100 a month, I had to file a motion to have the premature judgment they put against me for them not receiving my signed Stipulation. The judge allowed me to continue my payments & I obtained a small statement from the courts in order to have the judgement voided from my credit report. I continued my payments until that last one of $97 was due. I ended up having some financial hardships over the winter time, Which included 2 family deaths within a year of each other which I helped pay off the funeral expenses, A hospital stay that further meant twice a month visits to different Drs for the rest of the winter into spring, and a son in his 2nd yr. of college. So my last payment was pushed aside to take care of those issues as I have now gotten myself back into shape to pay this off, So now there was a bank levy sent to the courts in order to collect the original demand amount minus what I have paid so far. Which would be about $400. The clerk had to deny the writ of execution because there was a granted motion/order & a small statement in their system. The collection agency does not want to accept me paying the $97 that I owe, He wants to go for the $400. I totally understand that I breached the Stip.

So my question is, Is it worth fighting in court to file another motion for the $97 to be paid, Or should I go ahead & make a payment arrangement for the original balance that the attorney is demanding. The attorney will either file a breach of settlement to get the full judgment, file a motion to enter judgement, or they want to settle on payments, I personally just want to pay the $97, keep them out of my bank account.

I need help