Can you transfer the balance to another credit card where they'll let you pay it off in a year?
If so, I would do that and start making monthly payments. Rinse and repeat with new credit cards until the full balance is paid off.

If you think BTC will recover, continue to hold the BTC.
If you think BTC will fall more, sell it off and take the loss.
If you think BTC will fall more, but then recover; sell it off and buy back so you increase your BTC holdings.