P Powe,
Carval don,t know you are border line insolvent, you don,t need the hassle of any potential judgment against you .
They have no security ,but they will rightly fish to see have you anything now or in future.
Suggest write the letter to them , re-explain you have little and ask their help in proving your poor situation and that you want to get closure, the only way you can get closure as you see it , is to get k15 from friends.
(If you are insolvent, by paying interest every month you just keep it going, and I presume you want to get closure)