Mrs X

Dear Sir.

Have a wonderful day to you.

Just call me Mrs X. Im living in Manila, Philippines. I would like to ask a question regarding on my case for my credit card debt. I owe a money card from XX Bank and unfurtunately I did not meet the minimum payment they required to pay monthly. But still Im paying even half of the minimum payment for almost five months regularly to leesen my debt. But the send a demand letter to me to pay all the balance within five days but I cant afford to pay. Until I received a demand letter from an in house legal counsel stating that I should pay the whole amount plus the interest, penalties, attorney's fees and other expenses may arise or else the sue me in the court.

What should I do?
What happen to me if the sue me in the court?
DO I be put in jail?

Please help me and give me further information about my problems. I really not know to do.

Thank you so much

Mrs X

No you will not go to jail.

They would have to sue and win, and then collect, all of which will take time.

They might consider negotiating a compromise if you can pay part.

World Law's lawyers in Manila may also help if need be.