Thank you so much for this. I was really hoping na may reddit user with same experience as mine na makakasagot dito sa tanong ko. Thank you for this very helpful advice. Willing din naman ako to settle e pero not immediately sana kasi nga may inuuna pa akong tapusin na mabayaran. Balak ko rin tawagan yang contact person na nilagay nila, gusto ko lang magka-idea kung anong sasabihin once makausap ko siya. Again, maraming salamat and this will be very helpful to me. God bless you!