My advises would be, yes, pay.
With interest rates being so low, 1. you are making an excellent decision to buy. 2. You are getting the lower rate than if your collection was already lowering the fico score and you would get a substantially higher interest rate.
With property values lower than usual, it is like you are buying a savings account for the future when prices rise up again. You will make more money than the $3600. Besides, you may still get this money back from the person who stole it.
You can only win. I am glad you are buying in this great buyer's market.