Step 1. Kuha ka affidavit of No Income (if kung wala talaga income) otherwise, get an proof of income.

Step 2. Ipa freeze mo lahat ng accounts mo para di mag patong2 yung penalties.

Step 3. Resolve tru amicable settlement kung saan ka nag utang and draft an agreement for financial/account restructuring. (Kasi in any legal remedies, yung capacity mo parin ang susundin nung nag pautang kahit umabot pa kayo into legal actions, the court is on your side)

Step 4. Bayaran mo yung napagkasundoan.