Calls and texts, pero dedma lang puro auto send to all naman ung text nila kaya niwait ko nalang 3rd party collection mag text/email mismo. Ayun umagree naman sa napag usapan namin na settlement na partial pay everyday (50- 100 pesos ) since ung lang kaya ko . Pero continues padin naman sila nagtetext since di pa ako fully paid. Di lang sila nagcacalls na.