Credit cards amount is impossible to pay.

Hi hope someone can help me in Nedbank. I have to Credit Cards with them and due to loss of work they had put them on Judgements. I called them for settlement and the are asking for a huge amt greater than what I borrowed. Which is impossible for me to pay. I am will to pay back what I have borrowed. So please can someone assist me is sorting this out as I need to find a job and can't cause of my itc