Best Course Of Action On $30k Personal Loan Which I Stopped Paying

I took out a $40,000 personal loan with Goldman Sachs Marcus in February 2022. I had some unforeseen financial issues, which I will not go into, and stopped paying in December 2023 (remaining balance around $30k). In January 2023 I worked out a payment plan which reduced the payment and interest rate to 0%. Shortly after, the servicer was switched to SST, which I have only made one payment to in May 2023, after which I stopped paying. From what I can gather GS sold Marcus around this time so I am assuming it had something to do with either the sale, or the fact that my account was past due. I have since gotten my finances back on track and wondering what my best course of action is moving forward. It looks like the debt was charged off according to SST.

Facts:

• I do not know who owns the debt. While working on some credit repair, I received a letter from SST that they do not own the debt and are merely the servicer
• The last payment I made was May of 2023
• SST, nor anyone else, has not contact me regarding this debt (no phone calls, emails, or letters)

Questions:

• What is my best course of action moving forward? I have only made one payment to SST on this loan and it was back in May 2023. I am using most all my extra cash to pay down other loans and credit cards. From my understanding I can either:
• A) Continue not paying. Wait to see if/when I get sued over this debt and cross that bridge if/when it happens. Would most likely need to hire a lawyer
• B) Begin paying SST again. When I made the one payment back in May I did work out a payment plan at 0% interest. However, never received an agreement in writing (hence me stopping paying). They said they "were backed up and as long as I kept making the reduced payment amount then the payment plan/agreement would still be valid". I didn't like this.
• C) Try to settle with SST. As mentioned above, I do not know who owns the debt. Do I still work with SST or do I need to find out who owns the debt? If settling, I cannot afford to pay more than a few thousand dollars up front so would need to be for that amount or work out another payment plan on the settlement amount.

Long story short, would it make sense to leave this debt alone and wait to see what happens, or be proactive with negotiating and/or settling?