I mean you have two options. You find a way to pay it (credit, personal funds, get clients to pay, whatever), or you get a lawyer. Up to you to decide which is more financially viable. But, in almost all jurisdictions, withholding PTO is going to be treated the same as withholding wages. So, plan accordingly

This happened to me, albeit with a smaller amount. To be honest…you’re probably screwed. It likely got flagged (legitimately or not) as some sort of security/laundering/terrorism issue, and they can/will hold it until they “resolve” that potential issues. They also probably won’t say a thing about it while they investigate.

A lawyer is probably your only recourse here, and even then it might be a stretch.