Forever and ever account

We sold our house at a deficit of R170 000,00.It was a Nedbank home loan account. I started paying off this account 15 years ago. I stopped paying last year December because the balance was now still over R100 000, 00. Yes they phone me offering discount but I tell them I cannot afford a lump sum payment. Symington and De Kok Attorneys immediately put me in a negative credit profile. After 15 years, this account can be closed and my credit profile restored.