I worked in lending for years and I have been on the banks side of your problem. The only reason I can see Mabs being like that with you is that you broke payment arrangements with creditors that Mabs set up on your behalf. If this is not the case, go to another branch of Mabs as you obviously got a waster in that branch of Mabs you attended - they are normally very good!
Usually when Mabs got involved we would never sue a borrower as long as they kept to the Mabs repayment schedule, and believe me, that was usually a drop in the ocean compared to what they owed us. Get Mabs to start sending the creditors a nominal amount of money on a weekly basis (something you can afford). This will show the judge you are genuinely trying to repay the debt - Mabs are very well respected by judges and they do good work. Stick with Mabs, they are your best option.