I understand your conserns, 7k out of no where is a hefty chunck. Contacting an accountant like metioned below is a good start. Make sure you explain your situation fully to the accountant as there are certain loop holes to that clause he can explore. If nothing else he can set you on a payment plan to pay off over time. Best case he can get that 7k penalty removed. If you need help with an accountant with reasonable fees and knowledgable let me know. I can give you atleast two in your area. Believe it or not your not the first to run into this clause.
Hope this helps