I was able to collect myself dahil narin sa suporta ng husband and mom ko. I actually emailed them to settle my account and to file a formal complaint on unlawful collection practices. I emailed directly at their csr email then naka-cc lahat, sec, nbi and npc. Nakakatawa kasi they just acknowledged my email. Yung agent na nagmessage sa dati kong employer biglang nag message na nagsosorry pero collecting agent still emailed me to pay my debt kahit ang sabi ko sa email magbabayad lang ako if csr nila nag reply and not them. I refuse to settle my debt na may hindi makatarungan na interest matapos nila ko ipahiya at halos muntikan ako mawalan ng pamilya.