To start, just because your legal team said that you can win more by going into court, that doesn't mean that you will 100%. Even if your chances are high, you will need more than enough time to come to a court decision. However, the most important thing that you have to post and offer is missing from the start. The collateral. What do you offer to secure the lender? As of now, simple nothing. And without valid collateral, the only thing that you can get here are negs, nothing more - nothing less.
Btw, do you have a legal team, but you don't have the money to pay them? And if they are so certain that you will win in a court battle, why do you have to pay them now? They can be paid after the whole procedure ends.