Huabei's customer service called me to negotiate, offering to settle the bill with a one-time payment.

As long as I pay 31,000 yuan, the account will be settled.
They said considering my current financial situation, I can't make installment payments.
My principal on Huabei is about 37,650 yuan, overdue for 13 months, with interest roughly over 4,000 yuan.
I explained the situation to them, and I am willing to accept their plan, and I have the intention to repay.
Can these tens of thousands be paid off gradually over 60 installments?
After all, I can't come up with that much money all at once, and I have no funds to repay.
Their reply was that there is no such plan.
I can only say I am currently working hard to earn money, and once I have money, I will negotiate again.
Without money, there's no way to resolve this.
The customer service just hung up?
Do you all think Huabei has installment plans?
How do you handle or resolve overdue Huabei payments?$ETH