Dear Sir,
My suggestion is that you can give a submission to the court requesting for an extension of 12 months to complete your payment. This can save you allot of money.
As a masters in law qualified legal consultant, I am happy to write a detailed submission with all the backgrounds, background reasons, your points, arguments, and finally the request with background reason for the request. There is a high chance that the court may provide you with an extension considering your reasons in the submission. I have good knowledge of USA laws and I am happy to review your matter, discuss over the phone, and write a submission.
If your matter is not straight forward and requires an attorney to make arguments in the court room, i suggest that you find an attorney from the relevant jurisdiction.
I look forward to hear from you.
M S S Hussain, LLB (Hons), LLM UK