Time is the one debt collector nobody has successfully avoided.

Everything gets accounted for eventually: the postponed health, the neglected relationships, the work put off, the things you assumed you would get to. Time collects without negotiation and without regard for how reasonable your reasons were. This is not a threat so much as a description. The collection is happening either way.

Rather than trying to settle everything, pick the one account you have been avoiding longest and make a small payment on it this week. A call, an appointment, a first hour. Reducing what accumulates is more realistic than clearing it.