Hello Peter Im looking for help i have an overdraft account that i owe at Netbank

Hello Peter Im looking for help i have an overdraft account that i owe at Netbank. I was wrking but in 2020 our contract was terminated n never renewed so i have being working on contract i hv never worked permanent. So when i get a job a pay them 1000 every month to my suprised whn i was looking for settlement amounts they are telling me of R36 000 is it possible to pay n has no progress on your credit