Settlement offer still unrealistic despite my efforts

I am trying to settle an outstanding account originally with Woolworths, which is now with Strauss Daly Attorneys. I approached them in good faith because I want to resolve and close this account. As your records reflect, I have been making consistent monthly payments on this account for several years in good faith in an effort to resolve the debt. However despite these payments, the balance has reduced VERY slowly due to ongoing interest and fees. During a recent phone conversation I was advised that Woolworths is only willing to offer a 20% settlement discount. Unfortunately this amount is still far beyond what i can realistically afford given my current financial circumstances. I have made significant adjustments to manage my living expenses, including moving to a cheaper medical aid plan, yet the settlement offer remains unaffordable. This account has been outstanding 2021 and i am genuinely trying to settle responsibly. Despite my efforts, the current settlement position does not allow me to resolve this matter. I feel unheard in my plight and would appreciate if I can be accommodated . Also I requested this last week Monday from LLoyd and I had to call today to follow up. I want senior management to seriously consider my request as im not at all happy with the 20% discount offer.