Is it the bank or debt collectors? Ask for a cash settlement. Tell them you can do $500 today, and if they accept it. Tell them you need it in writing that you agreed upon that amount. That buys you time. But don't pay them the full amount.

Nvm read the article. Either offer them a settlement and see what their cost is or just pay it. If you have crypto saved in places just pay it. Sounds like you are in a better position now, no reason for charity.