Wah bro that's definitely not "a dent", you went head in and hit the kerb didn't you.
This one is LL already, they have every reason to claim the full $5k from you.
Honestly, you can try to get MP to write letter to ask them to allow you to pay by installment.
Otherwise, just borrow from siblings or relatives and pay off. $5k not really a big problem, 1 year can pay back liao.
All the best!
Thanks for the correction.
