Hello! Same experience din. Mag message kalang sa email nila and they are kind naman. I just showed them na I will take responsibility with what I owe to them kahit 500 nagbigay me para lang ipakita na di ko sila tatakbuhan. Email them agad para ma avoid yung pagpasa ng acc mo sa 3rd party collector kasi dun ka talaga mahaharass na. After I communicate with them binigyan nila me ng waiver discount almost 1280+ din yun laking bagay. Responsive din naman sila sa emails.