Refusing to talk to her isn't going to help your situation; it will only create more stress for you.

She's right on one hand; there never is a good time to work on the difficult things. And if you were in apparent distress or having apparent problems with whatever the issue is, THAT IS the time to work on it, even if the idea is scary.

I suspect she has worked with you on plans before, right? What have you learned previously that you could apply to this situation? Perhaps that is what she is trying to get you to do--use the skills you already have. It is quite probable that you already "know" how to deal with this and your T knows that and wants you to actually use the skills and resources she has already taught you. Is that what is going on? (I'm just guessing here because you haven't given much detail to go on.)

It's hard to be told to use what we have learned previously when we really want our T's to "fix" things for us and "make" things better. How about this? Can you write down exactly what "plans" or "steps" your T has taught you to follow/use/apply when you are having difficulties? Then, can you really walk yourself through those steps/plans diligently and see if perhaps she is right, you really do already have the plans/steps to work through this or at least some of this? Then, if after really outlining it and trying you still aren't feeling well, you can at least show your T you have recalled and gone through the steps as you understand them and that at this point you need some assistance in understanding/using them. That would seem like a really good compromise: she would be able to see you really are trying to use what you know, and you would be able to specifically ask for help with whatever part of the plan/steps aren't working for you.

Just a thought. Stubbornly refusing to talk to her isn't going to work. Refusing to attempt to do this at all on your own is not going to work. A real effort that you can show her coupled with a discussion about your specific difficulties might be the ticket. Think about it.