Cosigned Loan Charged off - Advice on settlement & future disputes?

Hello, I just would love some advice on what I should do in my situation...

First off, I would like to skip the lectures about not ever co-signing a loan to anyone, there's nothing I can do about it now, I'd like to just try to save what I can. My brother and I had a solid agreement for the loan but he suffered a sudden medical emergency and I do not blame him.

I helped my brother co-sign a loan back in 2024. He was making regular payments on it up to early this year. He suffered a surprise major stroke and lost left-side function (slowly recovering now) and lost his job, his apartment, everything. He was forced to file for bankruptcy because of this. While his bankruptcy was processing, we were still able to make payments to his loan, but 2 months ago, the account froze. I called Sofi right away and asked how to make payments, they told me to talk to his lawyer, I did, then they said to ask Sofi. So I was just stuck in this back and forth thing, up until this month, I noticed the account is now labeled "Charged-off". I called Sofi again and they said that there's nothing they can do at this point because it's already been handed off to a debt collecting agency (Resurgent).

I looked into Resurgent and it seems like they have a formal corporate policy to delete accounts from your credit report once they are resolved.

My plan is to try to make a deal with them to pay off (hopefully) 40-50% of the debt, ask them to certify that they will delete the mark once I paid it off. I'll ask for a Settlement Agreement Contract to have the terms in writing, and once I receive that, I'll start making payments.

My questions are:

1. Has anyone successfully negotiated a monthly payment plan settlement with Resurgent while still getting their credit deletion? I'm not able to pay for the lumpsum, since it's pretty big ($20k), I can do $500-1k/month

2. If I'm able to get the Resurgent mark deleted, I'm still stuck with the Sofi charge-off mark for 7 years, is there I chance I can dispute the mark with either Sofi or the credit bureaus since I have proof that I was trying to make payments before they handed it off?

3. Is there anything else I am missing or should do differently to save myself? :(

Thank you