I hope this message finds you well, present circumstances excluded. I am a licensed attorney with over a dozen years of experience in the employment law sector. It is a pleasure to assist you today.
Based on what you have shared with me, if they had not offered you a severance package (which is not required by law), I would say that it may be worth it for you to contact the EEOC about filing a complaint for discrimination in the workforce, which is against federal law.
That said, most EEOC complaints do not result in a successful litigation. Moreover, since you may be out of the country, even if the EEOC allows you to sue by issuing a right to sue letter, it may be difficult to find an attorney and be present to be deposed or for trial (things that will be necessary in litigation).
As such, with all things being considered, I would advise you to sign the agreement and receive the severance package. As a frame of reference, less than 10% of US workers receive a severance offer when they are let go. Moreover, since the company is in bad shape financially, they can use that as a basis for your termination. It will be very hard to overcome that argument in court if you sue for discrimination.
So, the best legal move here for you is to accept the severance and move on with your life. I know that may be hard to stomach, but I have seen this in the past many times. This will be the best route for you in the end.
Let me know if you have any other questions. Please also rate my answer positively (THREE OR MORE STARS) on the ratings bar on your end so I can receive credit from my response.
Best wishes going forward!